Low-income women workers in rural Karnataka, India, face financial struggles due to short-term liquidity issues. Despite steady incomes, many resort to informal loans or cutting back on essentials like food, healthcare, and education, impacting their well-being. A study of 834 garment factory workers (October 2023–July 2024) reveals coping mechanisms like reducing expenses, deferring payments, or borrowing small interest-free loans. Nearly 27% reported cutting expenditures, with food and school fees most affected.