Consumer Spending Post Summer: How German Households Are Planning Their Finances

Consumer Spending Post Summer: How German Households Are Planning Their Finances

Consumer Spending Post Summer: How German Households Are Planning Their Finances

A new Mollie study reveals how German consumers are reshaping their finances after summer – balancing school costs, rising prices and conscious spending.

A new Mollie study reveals how German consumers are reshaping their finances after summer – balancing school costs, rising prices and conscious spending.

September 2, 2025

Munich/Amsterdam, 2 September 2025 – key findings at a glance:

  • 47% of parents feel a financial double burden from summer holidays and back-to-school expenses.

  • 28% of Germans face financial difficulties after the summer break – with Gen Z and Millennials hit hardest (35%).

  • 76% rate their personal financial management as good, but many adjust spending habits.

  • Consumers are price-sensitive: 47% look for special offers, 33% avoid larger purchases.

  • Generational differences: younger consumers rely on digital budgeting tools, while older generations prefer traditional methods.

Summer vacation is over – and for many German households, this marks the start of the next phase of budget planning. A new YouGov survey commissioned by Mollie, conducted with more than 2,000 consumers, shows how families and generations are dealing with financial challenges differently and which trends will shape consumer behavior until the end of the year.

📥 You can download the full report here (in German)

Munich/Amsterdam, 2 September 2025 – key findings at a glance:

  • 47% of parents feel a financial double burden from summer holidays and back-to-school expenses.

  • 28% of Germans face financial difficulties after the summer break – with Gen Z and Millennials hit hardest (35%).

  • 76% rate their personal financial management as good, but many adjust spending habits.

  • Consumers are price-sensitive: 47% look for special offers, 33% avoid larger purchases.

  • Generational differences: younger consumers rely on digital budgeting tools, while older generations prefer traditional methods.

Summer vacation is over – and for many German households, this marks the start of the next phase of budget planning. A new YouGov survey commissioned by Mollie, conducted with more than 2,000 consumers, shows how families and generations are dealing with financial challenges differently and which trends will shape consumer behavior until the end of the year.

📥 You can download the full report here (in German)

Munich/Amsterdam, 2 September 2025 – key findings at a glance:

  • 47% of parents feel a financial double burden from summer holidays and back-to-school expenses.

  • 28% of Germans face financial difficulties after the summer break – with Gen Z and Millennials hit hardest (35%).

  • 76% rate their personal financial management as good, but many adjust spending habits.

  • Consumers are price-sensitive: 47% look for special offers, 33% avoid larger purchases.

  • Generational differences: younger consumers rely on digital budgeting tools, while older generations prefer traditional methods.

Summer vacation is over – and for many German households, this marks the start of the next phase of budget planning. A new YouGov survey commissioned by Mollie, conducted with more than 2,000 consumers, shows how families and generations are dealing with financial challenges differently and which trends will shape consumer behavior until the end of the year.

📥 You can download the full report here (in German)

Munich/Amsterdam, 2 September 2025 – key findings at a glance:

  • 47% of parents feel a financial double burden from summer holidays and back-to-school expenses.

  • 28% of Germans face financial difficulties after the summer break – with Gen Z and Millennials hit hardest (35%).

  • 76% rate their personal financial management as good, but many adjust spending habits.

  • Consumers are price-sensitive: 47% look for special offers, 33% avoid larger purchases.

  • Generational differences: younger consumers rely on digital budgeting tools, while older generations prefer traditional methods.

Summer vacation is over – and for many German households, this marks the start of the next phase of budget planning. A new YouGov survey commissioned by Mollie, conducted with more than 2,000 consumers, shows how families and generations are dealing with financial challenges differently and which trends will shape consumer behavior until the end of the year.

📥 You can download the full report here (in German)

Double burden for families with school-aged children

Parents in particular feel the financial strain of summer holidays coinciding with the start of the school year: Nearly half (47 percent) of parents with school-aged children see this timing as a heavy burden on the household budget. In addition to vacation expenses, costs for school supplies and clothing quickly add up – often between €101 and €200 per child, and for almost a third of families even more than €200.

“Parents want to provide their children with a memorable holiday, but only a few weeks later face substantial school-related expenses. This double burden creates a noticeable financial strain for many families,” explains Annett Polaszewski-Plath, Managing Director DACH at Mollie.

Parents in particular feel the financial strain of summer holidays coinciding with the start of the school year: Nearly half (47 percent) of parents with school-aged children see this timing as a heavy burden on the household budget. In addition to vacation expenses, costs for school supplies and clothing quickly add up – often between €101 and €200 per child, and for almost a third of families even more than €200.

“Parents want to provide their children with a memorable holiday, but only a few weeks later face substantial school-related expenses. This double burden creates a noticeable financial strain for many families,” explains Annett Polaszewski-Plath, Managing Director DACH at Mollie.

Parents in particular feel the financial strain of summer holidays coinciding with the start of the school year: Nearly half (47 percent) of parents with school-aged children see this timing as a heavy burden on the household budget. In addition to vacation expenses, costs for school supplies and clothing quickly add up – often between €101 and €200 per child, and for almost a third of families even more than €200.

“Parents want to provide their children with a memorable holiday, but only a few weeks later face substantial school-related expenses. This double burden creates a noticeable financial strain for many families,” explains Annett Polaszewski-Plath, Managing Director DACH at Mollie.

Parents in particular feel the financial strain of summer holidays coinciding with the start of the school year: Nearly half (47 percent) of parents with school-aged children see this timing as a heavy burden on the household budget. In addition to vacation expenses, costs for school supplies and clothing quickly add up – often between €101 and €200 per child, and for almost a third of families even more than €200.

“Parents want to provide their children with a memorable holiday, but only a few weeks later face substantial school-related expenses. This double burden creates a noticeable financial strain for many families,” explains Annett Polaszewski-Plath, Managing Director DACH at Mollie.

Generational differences

One of the study’s key findings: While nearly one-third of the total population (28 percent) face financial difficulties after the summer holidays, the impact is even stronger among younger generations. 35 percent of Gen Z and Millennials report having to cut back after the summer, compared to just 20 percent of Boomers.

Financial management also shows clear generational differences:

  • Younger consumers rely more heavily on digital tools such as budgeting apps or bank notifications.

  • Older generations tend to stick to traditional methods like manually checking account balances or using a household budget book.

One of the study’s key findings: While nearly one-third of the total population (28 percent) face financial difficulties after the summer holidays, the impact is even stronger among younger generations. 35 percent of Gen Z and Millennials report having to cut back after the summer, compared to just 20 percent of Boomers.

Financial management also shows clear generational differences:

  • Younger consumers rely more heavily on digital tools such as budgeting apps or bank notifications.

  • Older generations tend to stick to traditional methods like manually checking account balances or using a household budget book.

One of the study’s key findings: While nearly one-third of the total population (28 percent) face financial difficulties after the summer holidays, the impact is even stronger among younger generations. 35 percent of Gen Z and Millennials report having to cut back after the summer, compared to just 20 percent of Boomers.

Financial management also shows clear generational differences:

  • Younger consumers rely more heavily on digital tools such as budgeting apps or bank notifications.

  • Older generations tend to stick to traditional methods like manually checking account balances or using a household budget book.

One of the study’s key findings: While nearly one-third of the total population (28 percent) face financial difficulties after the summer holidays, the impact is even stronger among younger generations. 35 percent of Gen Z and Millennials report having to cut back after the summer, compared to just 20 percent of Boomers.

Financial management also shows clear generational differences:

  • Younger consumers rely more heavily on digital tools such as budgeting apps or bank notifications.

  • Older generations tend to stick to traditional methods like manually checking account balances or using a household budget book.

Conscious spending over carefree consumption

Despite rising living costs, most Germans remain disciplined with their finances. Three-quarters (76 percent) rate their personal financial management as good. At the same time, they are highly deliberate in how they approach spending:

  • 47 percent actively look for special offers,

  • 33 percent plan to avoid larger purchases,

  • 30 percent intend to buy only necessities,

  • 35 percent still want to treat themselves occasionally.

This tension between thrift and small rewards is especially visible among younger consumers: Gen Z is both the generation most likely to buy only essentials (35 percent) and the one most eager to indulge every now and then (45 percent).

Despite rising living costs, most Germans remain disciplined with their finances. Three-quarters (76 percent) rate their personal financial management as good. At the same time, they are highly deliberate in how they approach spending:

  • 47 percent actively look for special offers,

  • 33 percent plan to avoid larger purchases,

  • 30 percent intend to buy only necessities,

  • 35 percent still want to treat themselves occasionally.

This tension between thrift and small rewards is especially visible among younger consumers: Gen Z is both the generation most likely to buy only essentials (35 percent) and the one most eager to indulge every now and then (45 percent).

Despite rising living costs, most Germans remain disciplined with their finances. Three-quarters (76 percent) rate their personal financial management as good. At the same time, they are highly deliberate in how they approach spending:

  • 47 percent actively look for special offers,

  • 33 percent plan to avoid larger purchases,

  • 30 percent intend to buy only necessities,

  • 35 percent still want to treat themselves occasionally.

This tension between thrift and small rewards is especially visible among younger consumers: Gen Z is both the generation most likely to buy only essentials (35 percent) and the one most eager to indulge every now and then (45 percent).

Despite rising living costs, most Germans remain disciplined with their finances. Three-quarters (76 percent) rate their personal financial management as good. At the same time, they are highly deliberate in how they approach spending:

  • 47 percent actively look for special offers,

  • 33 percent plan to avoid larger purchases,

  • 30 percent intend to buy only necessities,

  • 35 percent still want to treat themselves occasionally.

This tension between thrift and small rewards is especially visible among younger consumers: Gen Z is both the generation most likely to buy only essentials (35 percent) and the one most eager to indulge every now and then (45 percent).

What retailers can learn from this

For retailers, the study highlights one thing above all: consumers remain highly price-sensitive and compare more carefully before making purchases. Businesses that respond with relevant offers and flexible payment options can not only secure short-term sales but also build lasting trust and loyalty.

“Especially in economically challenging times, simple, secure, and flexible payment options play a crucial role in helping consumers stay in control of their budgets and manage their expenses effectively,” says Polaszewski-Plath.

For retailers, the study highlights one thing above all: consumers remain highly price-sensitive and compare more carefully before making purchases. Businesses that respond with relevant offers and flexible payment options can not only secure short-term sales but also build lasting trust and loyalty.

“Especially in economically challenging times, simple, secure, and flexible payment options play a crucial role in helping consumers stay in control of their budgets and manage their expenses effectively,” says Polaszewski-Plath.

For retailers, the study highlights one thing above all: consumers remain highly price-sensitive and compare more carefully before making purchases. Businesses that respond with relevant offers and flexible payment options can not only secure short-term sales but also build lasting trust and loyalty.

“Especially in economically challenging times, simple, secure, and flexible payment options play a crucial role in helping consumers stay in control of their budgets and manage their expenses effectively,” says Polaszewski-Plath.

For retailers, the study highlights one thing above all: consumers remain highly price-sensitive and compare more carefully before making purchases. Businesses that respond with relevant offers and flexible payment options can not only secure short-term sales but also build lasting trust and loyalty.

“Especially in economically challenging times, simple, secure, and flexible payment options play a crucial role in helping consumers stay in control of their budgets and manage their expenses effectively,” says Polaszewski-Plath.

Survey methodology

The data is based on online interviews with members of the YouGov panel who had previously agreed to participate. A total of 2,008 people were surveyed between 5–6 August 2025. The results were quota-sampled by age, gender, and region, and subsequently weighted. They are representative of the German population aged 18 and above.

The data is based on online interviews with members of the YouGov panel who had previously agreed to participate. A total of 2,008 people were surveyed between 5–6 August 2025. The results were quota-sampled by age, gender, and region, and subsequently weighted. They are representative of the German population aged 18 and above.

The data is based on online interviews with members of the YouGov panel who had previously agreed to participate. A total of 2,008 people were surveyed between 5–6 August 2025. The results were quota-sampled by age, gender, and region, and subsequently weighted. They are representative of the German population aged 18 and above.

The data is based on online interviews with members of the YouGov panel who had previously agreed to participate. A total of 2,008 people were surveyed between 5–6 August 2025. The results were quota-sampled by age, gender, and region, and subsequently weighted. They are representative of the German population aged 18 and above.

About Mollie

Mollie offers a central platform for businesses to accept payments and manage their finances – simplifying payments, reconciliation, reporting, fraud prevention, and financing for everyone, from startups to large enterprises.

Founded in 2004, Mollie’s mission is to make payments and financial management effortless for every business in Europe. The 850-strong team operates from offices across the continent, including Amsterdam, Ghent, Lisbon, London, Maastricht, Milan, Munich, and Paris.

Today, more than 250,000 businesses use Mollie to increase revenue, reduce costs, and manage their funds.


Press contact
mollie@opnrs.com

Mollie offers a central platform for businesses to accept payments and manage their finances – simplifying payments, reconciliation, reporting, fraud prevention, and financing for everyone, from startups to large enterprises.

Founded in 2004, Mollie’s mission is to make payments and financial management effortless for every business in Europe. The 850-strong team operates from offices across the continent, including Amsterdam, Ghent, Lisbon, London, Maastricht, Milan, Munich, and Paris.

Today, more than 250,000 businesses use Mollie to increase revenue, reduce costs, and manage their funds.


Press contact
mollie@opnrs.com

Mollie offers a central platform for businesses to accept payments and manage their finances – simplifying payments, reconciliation, reporting, fraud prevention, and financing for everyone, from startups to large enterprises.

Founded in 2004, Mollie’s mission is to make payments and financial management effortless for every business in Europe. The 850-strong team operates from offices across the continent, including Amsterdam, Ghent, Lisbon, London, Maastricht, Milan, Munich, and Paris.

Today, more than 250,000 businesses use Mollie to increase revenue, reduce costs, and manage their funds.


Press contact
mollie@opnrs.com

Mollie offers a central platform for businesses to accept payments and manage their finances – simplifying payments, reconciliation, reporting, fraud prevention, and financing for everyone, from startups to large enterprises.

Founded in 2004, Mollie’s mission is to make payments and financial management effortless for every business in Europe. The 850-strong team operates from offices across the continent, including Amsterdam, Ghent, Lisbon, London, Maastricht, Milan, Munich, and Paris.

Today, more than 250,000 businesses use Mollie to increase revenue, reduce costs, and manage their funds.


Press contact
mollie@opnrs.com

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MollieNewsConsumer Spending Post Summer: How German Households Are Planning Their Finances
MollieNewsConsumer Spending Post Summer: How German Households Are Planning Their Finances
MollieNewsConsumer Spending Post Summer: How German Households Are Planning Their Finances