The survey, which covered 600 households, was conducted in late June by the magazine's research centre in cooperation with the GfK Zagreb agency.
According to the survey, the possibilities of saving are perceived as smaller, households' financial position is assessed as worsening, while prevailing are assessments about the impossibility of purchasing permanent consumer goods or investing in the construction of houses and flats or improving housing conditions.
Only 25 percent of respondents save money, of whom 22.3 percent save some money, down from 26.3 percent earlier this year, while only 2.5 percent have considerable savings, the same as earlier in the year.
On the other hand, the percentage of those cutting on saving went up from 8.8 to 10.5 percent, as did the percentage of households having to borrow money, up from 18.7 to 20.2 percent.
The majority of respondents, 40 percent, have said they "barely make ends meet".
About 90 percent estimate they will not be able to buy a car over the next year, nor do they plan to buy or build a house or a flat. Seventy-six percent have said the purchase of a car over the next 12 months is completely unlikely, while 14 percent have said it is quite unlikely.
As many as 82 percent of respondents do not plan to buy or build a house or a flat in the next 12 months, up from 80.3 percent earlier in the year, while 8.8 percent have said they probably will not do so, down from 10.5 percent.
The percentage of those who have said they will certainly buy or build a house or a flat has gone up from 1.6 to 2.2 percent, as did that of those who have said it is possible, up from 4.8 to five percent.
The majority of respondents have said they do not plan to invest a significant amount of money to improve their housing conditions over the next 12 months. Fifty-three percent do not plan on making such investments, while 22.7 percent consider it quite unlikely.
Fourteen percent have said they might decide to improve the quality of their housing conditions, 3.7 percent have said it is very likely, while for 10.3 percent it is rather likely.