This study investigates the financial behaviour, saving patterns, and decision-making practices of working women in the context of income management and financial security. The primary objective of this study is to examine how working women allocate their income, manage expenditures, save for future needs, and make financial decisions related to security and well-being. Primary data were collected through a structured questionnaire administered to working women living in Kerala across different occupational and income groups. Descriptive statistics, correlation analysis, and inferential techniques were employed to analyze key dimensions such as income utilization, budgeting behaviour, saving regularity, investment awareness, and financial planning. The results indicate that although most respondents recognize the importance of saving and financial planning, their actual saving behaviour is often limited by rising living costs, family responsibilities, and lifestyle-related expenditures. A significant association was observed between financial literacy, budgeting discipline, and higher saving levels, suggesting that informed financial decision-making plays a crucial role in enhancing financial security.
The findings further reveal that working women who engage in systematic income management and long-term planning experience lower financial stress and greater confidence in their financial future. The study underscores the importance of promoting financial education, workplace financial wellness programs, and supportive policy measures to strengthen the financial resilience of working women. By providing empirical insights into women’s financial behaviour and saving practices, this research contributes to the broader discourse on financial inclusion and sustainable economic well-being