Household saving behavior is a key factor influencing the economic outlook. This paper contributes to a vast strand of the literature on the effects of uncertainty on households saving by addressing the issue of buffer stock saving in Poland. Following the reduced-form buffer stock saving model proposed by Carroll et al. (2012) three determinants of the household saving rate are identified: household net financial wealth, credit conditions, and the unemployment risk faced by households. An analysis of data for the period 2003-2016 finds that all three explanatory variables play a statistically significant and economically important role. Thus, it supports the hypothesis that the increased uncertainty causes greater savings in the presence of credit constraints and reveals that the buffer stock model explains substantial part of variation in the household saving rate.