The purpose of this paper was to investigate whether consumer behaviour in the second-hand clothing market causes a rebound effect, and if so, what are the reasons behind it. The study examined two potential causes: the price effect and moral licensing. A survey technique was used for data collection to study the phenomenon quantitatively. Non-parametric tests, analysis of relationships between variables and hierarchical cluster analysis were used to analyse the results. The existence of a rebound effect in the used clothing market was confirmed. At the same time, the magnitude of the substitution rate between new clothing and used clothing was estimated at 1:1.23. It was also proved that the phenomenon under study is influenced by both the price effect and moral licensing.

Purpose: The elderly seem to be more subject to housing problems due to lower income, older age of the housing stock and lower mobility. Nonetheless, housing deprivation (HD) is commonly analysed amongst the general population. Less is known about the differences between age clusters, which seems to be a crucial issue in countries like Poland due to population ageing. What is more, the current literature usually analyses only the occurrence of HD, while also an accumulation of its indicators seems to be substantial. The aim of this article is to identify the differences in HD (its occurrence and accumulation) amongst elderly and non-elderly households and to diagnose the risk factors behind those phenomena.Design/methodology/approach: The HD index was calculated and compared. Next, the multinomial logit models were used to assess risk factors of HD.Findings: The study showed that, surprisingly, HD in Poland occurs more frequently amongst non-elderly households. The elderly ones suffered more from housing cost overburden, while non-elderly from the overpopulation. In large part, analysed risk factors had a stronger influence on housing conditions of the elderly than non-elderly households.Social implications: Social policy tools should focus on the situation of single elderly households, especially living in houses, often in villages. This group is particularly affected by problems with the quality of the dwelling and housing cost overburden.Originality/value: In the paper, the occurrence and accumulation of HD indicators were analysed. The authors applied a methodological framework that is applicable to other European Union (EU) member states based on the EU Survey on Income and Living Conditions (EU-SILC) data. It is possible to continue the research study and compare different economies.

The economic problems of mortgage takers, especially in light of the global financial crisis, is a very important issue, both from the point of view of housing policy and the stability of the banking sector. The analysis of the situation of mortgagors is usually limited to determining the percentage of mortgages in default. We compared the revealed mortgage repayment problems among Poles (arrears) with the unrevealed ones (such as high housing cost burden, inability to bear unexpected expenses), which we defined as housing cost stress. Next, we compared these problems with those of tenants at market rates. We found that, although we observe only a small percentage of mortgagors who are in arrears with their housing costs in Poland (about 3%), a large proportion of borrowers (about half of them) are in a difficult financial situation. At the same time, we noticed that their situation is still better than that of market rent tenants, because only one in five renters did not experience problems with covering housing costs. Among tenants, singles were much more likely to suffer from housing cost stress.

Housing deprivation is often analyzed as the proportion of population affected by housing problems related to a variety of issues. As a result, even if the level of housing deprivation is similar across countries, they may face different housing-related problems. In the presented research, an attempt was made to identify countries similar in terms of the area of housing problems. The specified dimensions were: (1) housing quality, (2) way of using the dwelling, and (3) neighborhood-related issues. The analysis indicated that in the EU, there are countries that do not show an intensification of housing deprivation in any of the areas. In 2020, these were Czechia, Austria, Estonia, and Finland. Countries with a deprivation profile related to housing quality were Romania, Lithuania, Latvia, and Cyprus; and to a lesser extent, also Hungary, Ireland, Slovenia and Belgium. Housing deprivation was mainly related to the way of using the dwelling in Greece, Bulgaria, and - to a lesser extent – also in Denmark, Poland, Croatia and Slovakia. The deprivation profile related to the neighborhood was identified in Malta, the Netherlands, France, and - to a lesser extent - also Spain, Portugal, Italy, Luxembourg, Sweden, and Germany. Housing deprivation profiles in the EU undergo changes in the 2010-2020 decade.

Poland is characterized by a relatively high level of homeowners (84% of population in 2018). The preference for ownership, as well as financial possibilities, are not balanced throughout the entire life cycle of a household. The scale of these differences, as well as the tendency to change over time, remains unknown. The subject of conducted research is to indicate how the structure of the tenure status of Poles changes over the life cycle of a household. This publication proposes the division of the household life cycle into the stages of formation, stabilization and reduction. The research on the structure of the tenure status of Poles was conducted for the period of 2006-2018. The analysis showed that, while the share of owner-occupiers increased significantly in Poland in the years 2006-2018, at the stage of forming a household rent begins to prevail. What is more, young people are more likely to choose market rent, and relocation to private housing is associated with having children or getting married. At the same time, there is no tendency to relocate to rented flats at the stage of household reduction in Poland.