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If you don't cultivate the habit of saving money, there is no amount of tech that is going to help you to do so because you will still end up spending the money and leaving yourself with nothing.
Look how AI is helping people save money. Many companies are using AI for content and graphics already. That is they fired at least 5 people and saving that money.
Free software is helping individuals and companies nowadays to save a very large amount of money. Though free software can be cost-effective, I think it's being helpful to people in order to use their money somewhere else. It promotes freedom and enhanced knowledge sharing which makes some companies to fired people and use free software for all work in the organisation.
Free software is as budget-friendly as we can get for sure. Some blame the support, some the UI. But if you look at the long term benefits, they really ace in many areas.
The use of different AI programs is a very big testament of how effective such tech can help save money and time for anyone or companies that have incorporated them in their productive activities. AI can do the job of 100 people faster and better. This is how it helps companies that are using it save money.
While I hate AI taking away jobs of many people, that's been like that since a long time. Unless we keep in pace with technology, we will be replaced by something. That is the sad truth of the market.
That is why I always try to keep myself up to date about the latest technology and gadgets. Even if you cannot buy them all, read about them, watch videos and stay up to date.
Technology advancement especially with artificial intelligence is growing very fast. I'm not even sure that our individual learning is keeping pace with the speed of this technological advancement but we have to do what we can in order to still keep ourselves valuable and indispensable.