They are talking about how to manage personal finances. They both think that managing personal finances is a good way to avoid wasting money and can improve their living standards. Moreover, as a sayings goes: “Saving for a rainy day” , so they think that they can also save more money by starting managing their finances.
The mother thinks that they can creat a list about the staff they need to buy every week. Then after reducing the money of buying these necessary things, they can know how much money is still left.They can spend this disposable income on other things they like, such as some not necessary but beautiful clothes.
The daughter thinks that thay can make a financial plan of their life. For example, they can spend their disposable income on travel to other countries. This needs a lot of money, but they can write it down in their plan and save some money every week. Then one day they will have enough money for travel.