The main objective of the paper is to evaluate household finance management effectiveness in the biggest Polish cities. As part of the conceptualization study. the following specific objectives are set: adaptation of effectiveness approaches in relation to households functioning and a proposition of household finance management effectiveness evaluation model. In addition. https://www.lightemupsequences.com/deal-find-14K-Gold-plated-Lobster-Closure-Freshwater-Pearl-Bracelet-super-grab/