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 Beauty effectiveness approaches in relation to households functioning and a proposition of household finance management effectiveness evaluation model.In addition, an attempt has been made to verify the following hypothesis (H): Polish households are characterized by low financial management effectiveness, which is a result of low level of financial literacy, as well as lack of financial control.Within the research framework, the following research methods have been used: a critical analysis of the literature on the subject, a document 50 Ohm RG58 research method, diagnostic questionnaire method, comparative research method and statistical methods.