Published Paper Details:

Spending behaviour plays a crucial role in understanding how individuals manage their income and meet their needs. This study focuses on the spending patterns of plantation workers in Munnar and the socio-economic factors influencing their expenditures. Data was collected from 200 workers using a structured questionnaire, covering demographic details, spending priorities, and economic influences. Analysis was performed using descriptive statistics, mean and standard deviation, Garrett Ranking, and chi-square tests. The results indicate that plantation workers prioritize essential needs such as food, healthcare, and housing, while savings and leisure activities receive lower attention due to limited income and rising living costs. Economic factors such as cost of living, income level, debt, and healthcare expenses significantly influence spending behaviour. The study emphasizes the need for financial awareness, income support and welfare initiatives to improve the financial well-being of plantation workers.