Thrift: “careful use of money so that it is not wasted”; “careful management especially of money”
Saving: “an amount of something that is not spent or used”, “the amount of money that you have saved especially in a bank over a period of time”, “preservation from danger or destruction”, “the act or an instance of economizing”, 3a plural : money put byb : the excess of income over consumption expenditures —often used in pluralc : a usually specified lower cost —often used in plural