俭

例句：

1. 1. She is always thrifty with her money.
   她总是很节俭地使用她的钱财。
2. 2. He is a frugal man who saves every penny he earns.
   他是一个节俭的人，他赚取的每一分钱都存起来。
3. 3. Prudent planning can help you achieve your financial goals more efficiently.
   谨慎规划可以帮助你更有效地实现你的财务目标。