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thrift n., careful management of one’s resources. Her thrift enabled her to save enough money to retire early.

ex • trav • a • gance n., unreasonable excess. The house purchase was such an extravagance that the couple had no money left to buy furniture.

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con • vert v., turn or change from one form to another. When water freezes, it converts from a liquid to a solid.

list v., tilt to one side. The boat listed from side to side in the rough water.

ex • pend v., use or use up. I have expended my energy cleaning.