Saving Habits of Working Women: A Descriptive Study

Author: Dr. J. Dhivya and Ms. Adhisaya Mariam Shaloamy. JR

Published On: 2026-06-04

DOI: https://doi.org/10.70127/irjedt.vol.9.issue06.113

Savings play an important role in maintaining financial security and economic independence. Working women contribute significantly to household income, creating economic development as an outcome in the nation. The cash inflows generated by working women in their saving behaviour is taken a part of financial research to know how well the generated income has been used for future return without depending on the debts. This descriptive study examines the saving habits, financial priorities, and investment preferences of working women. Using primary and secondary data, the study explores how income levels, family responsibilities, financial awareness, and future goals influence saving decisions. The findings indicate that working women prioritize emergency funds, children's education, and retirement planning while facing challenges such as rising living costs and family commitments. The study emphasizes the importance of financial literacy and structured financial planning in enhancing savings behaviour among working women.

Keywords: Savings, Working Women, Financial Planning, Investment Behaviour, Personal Finance, Financial Security.