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@article{190800,
        author = {Ishan Shah},
        title = {Money management in low income households},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {3594-3601},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190800},
        abstract = {This research explores the crucial topic of money management in low-income households, providing insights into the financial literacy levels and participant characteristics of those enrolled in programs specifically designed to address this group. We examine the spectrum of financial access, ranging from banked to unbanked, marginalized to empowered, in recognition of the complicated financial environment low-income families must navigate. Through an analysis of the interactions among financial literacy, education, and financial service accessibility, this study seeks to provide insights into policies that support low-income households' economic empowerment. The effect of financial literacy on low-income households.Low-income people's access to conventional financial services, loans, and mortgages. difficulties low-income families have saving money. elements affecting the allocation of home duties and money management. The contribution of financial education to enhanced financial literacy and proficiency. The frequency and effects of mental budgeting on managing household finances. The study's conclusions highlight how critical it is to improve low-income households' financial literacy, expand their access to traditional financial services, and encourage sensible money management techniques. We can endeavor to lessen economic inequalities and enhance the general financial well-being of vulnerable communities by tackling these issues.},
        keywords = {Financial Literacy, Low-Income Households, Financial Access, Financial Services, Economic Empowerment, Savings Challenges, Money Management, Financial Education, Mental Budgeting, Financial Inclusion, Economic Inequality, Social Equity, Financial Behavior, Household Duties, Financial Decision-Making, Financial Knowledge, Economic Disparities, Financial Resilience, Financial Well-Being , Financial Disparity.},
        month = {January},
        }