Describe a person who is good at managing money

The person who is best at managing money in my life is my grandmother, Halima. She's seventy-five years old, and she raised four children on a modest salary as a school librarian. I've known her all my life, and I often stay at her flat during the holidays.

She manages money in a very organised way. At the start of each month, she writes down all her fixed costs, like utilities and food, in a notebook, and puts the rest into small envelopes labelled for different purposes: gifts, medicine, emergencies and treats. She keeps track of every expense, even small ones, and she checks the notebook each Sunday. She also has a rule of saving at least ten percent of any income, which she has followed since she was a young woman. Whenever she buys something expensive, she waits a week to make sure she really needs it.

From her, I have learned quite a few lessons. First, spending less than you earn is the basis of stability. Second, small amounts add up; she once showed me how her tiny regular savings grew over the decades. Third, planning isn't meant to restrict you but to give you the freedom to enjoy life without worry. In fact, she is not stingy at all; she buys wonderful presents for her grandchildren.

Since I started university, I've tried to use her methods. I now record my spending on a phone app and keep a small emergency fund. It has made me feel much more confident about my finances, and I'm grateful to her for the guidance.