provident

careful in regard to your own interests; providing carefully for the future

In a move that hardly could be described as provident, Bert spent his entire savings on a luxurious cruise, knowing that other bills would come due a couple months later.

You become members of them, because you are prudent, or provident, that is, because you are careful, and look forward to a rainy day.

Now these benefit clubs are also called provident societies, and a very good name for them.

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