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    <subfield code="a">Tethen, Clyra.</subfield>
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    <subfield code="a">Saving Smarter</subfield>
    <subfield code="h">[Libby Audiobook] :</subfield>
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    <subfield code="b">Bassey Kooffreh, </subfield>
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    <subfield code="a">HTML:&lt;p&gt;This audiobook is narrated by a digital voice.&lt;/p&gt;&lt;br /&gt; &lt;p&gt;Whether you are saving up for a dream vacation or building an emergency fund, this book provides practical strategies and expert advice to help you achieve your financial goals. From setting a budget to making smart spending decisions, this book covers everything you need to know to successfully save money for short-term needs. With tips on cutting expenses, increasing income, and finding the best savings account, this book equips readers with the tools they need to take control of their financial future.&lt;/p&gt;.</subfield>
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    <subfield code="a">Importer Version: 2014-01-08.01 Import Date: 2025-04-01 20:00:03.</subfield>
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    <subfield code="a">G, Digital Voice Ava.</subfield>
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