A Study on the Financial Well-Being of Daily Wage Workers: Income, Expenditure, and Savings Behaviour

Author(s)	Mr Maruthi Nagarjuna K, Mr. Shivaprasad P
Country	India
Abstract	Daily wage labourers constitute a significant segment of the informal workforce and are often characterized by low, unstable, and unpredictable earnings. This study examines the income and expenditure patterns of daily wage labourers to understand their financial stability, consumption behaviour, and livelihood challenges. Using primary data collected through structured questionnaires and field interviews, the research analyses monthly income variability, spending priorities, savings ability, and indebtedness among workers. The findings reveal that most labourers allocate a major share of their earnings to essential needs such as food, rent, healthcare, and transportation, leaving limited scope for savings or investment. Income instability and lack of social security emerged as major factors contributing to financial vulnerability.
Keywords	Income variability, spending priorities, savings ability
Field	Mathematics > Statistics
Published In	Volume 7, Issue 6, November-December 2025
Published On	2025-12-28
DOI	https://doi.org/10.36948/ijfmr.2025.v07i06.64842

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