HSK 7-9
精打细算
jīngdǎ-xìsuànmeticulous planning and careful accounting (idiom)
她精打细算安排每月开支。
Tā jīng dǎ xì suàn ān pái měi yuè kāi zhī.
She plans each month's spending with meticulous care.
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Appears across levels (7-9) in the HSK 3.0 word list.