be frugal eg. "Being frugal with electricity helped them lower their bills. - thrifty, economical/ oszczędny, to shun savings accounts  eg. The actor tends to shun the media and rarely gives interviews. - to avoid (unikać), be wary of sth eg. She's still wary of strangers. - cautious, careful, sucspicious (być ostrożnym wobec), rack up a debt eg. He's racked up debts of over thirty thousand pounds. - to get or achieve a lot of something (zgromadzić debet), be hard-hit by sth (pandemic)  Her death has hit us all very hard. - być mocno dotkniętym przez coś, side hustle - a side job giving you extra money, shell out on sth - to spend money, especially a large or unexpected amount (wyłożyć pieniądze na coś), disposable income eg.This means they have more disposable income to save for retirement. - dochód rozporządzalny/netto, Gen Z - 1997-2012, Gen Alpha - born 2013-, Millennials - 1981-1996, Gen X - 1965-1980,

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