Look at the chart and judge. The year-end spending of all Western countries are proportional to their GDP per capita... except in the Netherlands where people spend far less than they ought to compared to countries with similar incomes. It's even better than that, the Dutch manage to spend less than anyone else, even considerably poorer countries like Ukraine or Russia. This goes a long way to confirm the general European opinion that the Dutch are tight-fisted. What other people regularly travel abroad by campers or caravans taking all they need with them to be sure not to have to spend a penny in other countries ?