International Journal of Agriculture Extension and Social Development

author(s)
Varsha Dewangan, Sanjay Kumar Joshi and Hulas Pathak

abstract
This study investigates the financial behaviour of rural farm households in Bilaspur district, Chhattisgarh, focusing on the delicate balance between current consumption and future investment. Using primary data from 300 farm households classified by landholding size, the study examines patterns of expenditure and savings, categorizing them into durable and non-durable investments. Descriptive statistical tools are used to evaluate how farmers allocate resources between immediate necessities and long-term goals. The findings reveal that while a significant portion of household income goes toward food and farm inputs, a growing awareness exists around saving for education, health, and emergency needs. The study concludes that farm households exhibit a thoughtful mix of consumption smoothing and future-oriented planning shaped by necessity and aspiration.