Frugality — Kimmutz — קְמּוּץ
Be careful with your money. Do not spend even a penny needlessly.
Cheshbon ha-Nefesh (“Accounting of the Soul”) is a step by step approach to improving one's characher traits. It was written by Rabbi Menachem Mendel of Satanov. It was published in 1845 with the encouragement of Rabbi Yisroel Salanter. The book is available from Feldheim Publishers.