Consumers' expectations of their own economy improved in November 2025 – women's confidence in the economy low

Consumer confidence in areas of residence and population groups

In November 2025, consumer confidence was highest in Southern Finland outside Greater Helsinki (CCI -4.7) and lowest in Eastern Finland (-11.5). Of the socio-economic groups, self-employed persons were most optimistic (1.8). In November, unemployed persons had the gloomiest expectations concerning economic development (-16.4).

Women (-10.0) still described economic development in November as clearly gloomier than men did (-3.1). More detailed information is available in the figures and database tables.

Content is being loaded

Consumers' own and Finland's economy

In November, consumers’ expectations concerning their own economy in one year improved both compared to October and one year ago and were already at a bright level. By contrast, consumers’ views of their own economy at present still very weak. In addition, expectations concerning Finland's economy in 12 months' time continued subdued in November.

Twenty-seven per cent of consumers thought in November that their own economy was worse at the time of the survey than one year ago. Slightly fewer, 24 per cent, considered their own economy better than one year earlier. Two-thirds or 64 per cent of consumers thought in November that Finland’s economic situation was now weaker than one year earlier, and only nine per cent saw it as stronger.

In November, 21 per cent of consumers believed that Finland’s economic situation would improve in the coming twelve months, while 37 per cent of them thought that our country’s economy would decline. More than before, 30 per cent of consumers believed in November that their own economy would improve and 16 per cent of them feared it would worsen over the year.

Content is being loaded

Unemployment and its threat

Consumers' expectations concerning the development of the general unemployment situation in Finland stayed fairly gloomy in November. Only 16 per cent of consumers expected that unemployment would decrease over the next year, and over one half, 57 per cent believed it would increase.

Employed consumers reckoned in November that their personal threat of unemployment or lay-off was still very high. Five per cent of employed persons believed that their personal threat had lessened and nearly a third or 30 per cent thought the risk had grown. On the other hand, 34 per cent of employed persons felt in November that they were not threatened by unemployment or temporary lay-off at all.

Consumer prices

In November, consumers' estimates of the inflation at the time of the survey and concerning price changes in one year's time were nearly unchanged and fairly high.

Consumers estimated in November that consumer prices have risen by 4.3 per cent from last year's November and would go up by 3.7 per cent over the next year. About one-half of consumers, 51 per cent, thought that consumer prices have risen much or fairly much over the year, and 55 per cent of them expected prices to rise at least at the same rate over the coming months as well.

Financial situation, saving and raising a loan

As for a long time, the time was regarded very poor in November for taking out a loan and unfavourable also for saving. Thirty per cent of consumers regarded the time favourable for taking out a loan and 43 per cent considered saving worthwhile. However, intentions to raise a loan were on the usual level in November. Fifteen per cent of consumers were planning to raise a loan within one year.

Consumers' estimates of their own financial situation were in November similar to the long-term average. Consumers estimated that their saving possibilities would also be as usual in the coming months. In November, good one half or 58 per cent of consumers had been able to lay aside some money and 72 per cent believed they would be able to do so during the next 12 months.

Spending and intentions to make large purchases

In November, the time was still regarded very unfavourable for buying durable goods. Only 17 per cent of consumers thought the time was favourable for making expensive purchases.

Consumers’ intentions to spend money on durable goods in the next 12 months were still fairly low in November. In November, 12 per cent of consumers estimated that they would increase and 39 per cent would reduce their spending on durable goods over the next 12 months.

However, as many consumers as the long-term average considered buying a car in November within one year. By contrast, consumers still had fewer plans than usual to buy a dwelling and to renovate their own dwelling.

In November, 14 per cent of consumers were either definitely or possibly going to buy a car within the next 12 months. Only 11 per cent of consumers considered buying a dwelling or building a house. Sixteen per cent of consumers were planning to spend money on renovating their dwelling during the next 12 months.

Data set for the statistics

The Consumer Confidence Survey is carried out with a self-filled web questionnaire and by telephone interviews. Answers are mainly given by means of answer options.

In November 2025, a total of 1,273 persons participated in the Survey and the response rate was 59 per cent. The majority, 83 per cent, of the responses came from the web questionnaire.

The consumer confidence indicator (CCI) is the average of the balance figures of its components: own economy now, own economy in 12 months, Finland's economy in 12 months and own intentions to buy durable goods in the next 12 months.

EU results

The (seasonally adjusted) survey results concerning economic expectations for all EU countries are released monthly on the European Commission website.