you should know very well how women behaves in terms of money and thy don't joke with money in generally, so if op says women are careful while spending money and saving money i wouldn't doubt them at all. Women and money is like 1&2 and they can't joke with their money especially when it's tag for something very important they won't release for money for other things except it has hit them severely before you could see them touch a little fraction of the money.
A woman who is stingy in spending money except for things that are really needed is a very good woman and it can also be used as a mother for children in the future. This means that when a woman is able to appreciate money as a valuable asset, of course she will not be careless in spending it on unnecessary things so that women like that will not experience excessive difficulties in their lives because they know how to treat money very well. But at this time there are also women who are less aware of it so they spend money more often on their own lifestyle even though after a few days they will be poor because they no longer have money to be stylish. So every man must be able to differentiate this before choosing a woman in his own life, whether it is for a wife or for a work colleague in any business.