Abstract
This study assessed budgetingstrategiesadopted by medium income level households in coping with economichardship in Obio Akpo Local Government Area (LGA). Specifically, it determinedavailable sources of available income (money) to the households; budgeting strategies utilized by households; factors influencing budgeting practices; and ways of improving budgeting strategies of the households. Descriptive research survey design was adopted. Population of study comprised of medium income households in Obio Akpo LGA. Questionnaire was used for data collection. Data were analyzed using mean and standard deviation. Major findings are 11 sources of income, including crop farming (X̅=3.50), food and catering services enterprises (X̅=3.67) and others.Other findings are 13 budgeting techniques utilized by medium income level households. These include, among others, set clear financial goals (X̅= 3.41), track all income sources (X̅=3.66). Furtherfindings are 13 challenges to household budgeting and implementation, including: lack of needed knowledge to create and maintain a budget effectively (X̅=3.47), absence of family or community support (X̅=3.45) among others.More findings are 17 ways of improving budgeting strategies of medium income level households in the area.These include, access to financial advice (X̅=3.66),health and wellness coaching (X̅=3.44) among others. Four recommendations were made based on the findings.