Economic insecurity continues to weigh on Greeks, with just over half the respondents to a recent survey saying they do not expect meaningful improvement in their personal finances in the new year.

Conducted by Revolut in cooperation with Dynata on a representative sample of 1,000 adults, the survey found that 54% of respondents feel little optimism about their financial situation this year. Income uncertainty, the rising cost of living and difficulty covering basic needs have fueled a climate of pessimism for roughly one in two Greeks.

About 43% said they feel anxious or uncertain about their finances, while 11% reported struggling to improve their situation despite making concerted efforts, highlighting ongoing pressure on household budgets. 

Financial stability remains a top concern for 2026, with most respondents planning to cut spending to cover essentials such as housing, utilities and food. More than a third said they expect to reduce clothing purchases, while 31% anticipate cuts to nonessential expenses such as travel, beauty products and discretionary shopping. Thirty percent are planning to buy cheaper food products, and 13% said they may need to reduce health-related spending.

At the same time, around 40% of respondents are optimistic and are taking steps to strengthen their finances. About 17% plan to manage their money more actively through saving and investing, while 15% intend to focus on personal development, including job searches or upgrading skills to boost earning potential.

When asked what would most improve their finances in 2026, many Greeks pointed to mindset and skills rather than external factors. Nearly half cited self-discipline as the most important tool, followed by stronger financial education and easier-to-use money management apps.

“Personal motivation and self-discipline remain the strongest drivers of financial progress, but technology can be a powerful ally,” said Ignacio Zunzunegui, Revolut’s head of growth for Southern Europe. Only 3% said they feel fully confident they will meet all their financial goals in 2026.