Volume 3 Issue 2 | 2026 | View PDF
Paper Id: IJMSM-V3I2P124
doi: 10.64137/30485037/V3I2P124

Financial Behaviour of Households: A Study on Saving and Spending Patterns in Nagapattinam District

A. Sowarna Lakshmi, M. Seethala Devi

Citation:
A. Sowarna Lakshmi, M. Seethala Devi, "Financial Behaviour of Households: A Study on Saving and Spending Patterns in Nagapattinam District" International Journal of Multidisciplinary on Science and Management, Vol. 3, No. 2, pp. 203-209, 2026.

Abstract:
This study examines the saving and spending behaviour of households in Nagapattinam District, with a focus on the factors influencing financial decisions and money management practices. The study is based on primary data collected from 150 respondents through a structured questionnaire using the simple random sampling method. Statistical tools such as percentage analysis, chi-square analysis, correlation analysis, and one-way ANOVA were used to analyse the data. The findings reveal that most respondents regularly save a part of their income and prefer financial practices such as monthly budget planning, bank deposits, and gold savings for future security. The study also found that income level has a significant relationship with regular saving habits, while educational qualification significantly influences money management skills. Factors such as inflation, family responsibility, and changes in income were also found to affect household financial behaviour. The study concludes that income, education, and financial awareness play an important role in shaping the saving and spending behaviour of households.

Keywords: Saving Behaviour, Spending Behaviour, Household Finance, Financial Behaviour, Money Management, Nagapattinam District.

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