Personal Financial Management and Its Impact on Financial Well-being: A Study on Individual Money Practices Among MGNREGS Women Workers

Author(s)	Ms. BAINY GEORGE
Country	India
Abstract	Personal financial management plays a crucial role in achieving financial stability and independence. This study explores how individuals, particularly women employed under the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS), manage their finances. Focusing on a sample of 60 women workers from Anchal panchayat in Kollam Sistrict, the study investigates their budgeting habits, confidence in managing finances, and awareness of savings and investment avenues. The findings highlight the need for targeted financial literacy programs to promote financial inclusion and well-being, especially among the unorganised sector.
Keywords	Personal Financial management, Saving habit, Debt management
Published In	Volume 7, Issue 3, May-June 2025
Published On	2025-05-16
DOI	https://doi.org/10.36948/ijfmr.2025.v07i03.44912
Short DOI	https://doi.org/g9kfvh

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