The theme of the passage is "A penny saved is a penny earned."
A literary work's topic is an idea or notion it chooses to focus on, such as love, sadness, honor, etc. When telling the story, the author makes a thematic statement that is based on the theme they have explored in their work.
In other words, theme refers to both the text's message or moral and the life or universal lesson it contains. A literary work may have multiple themes, none of which are explicitly expressed in the narrative, thus the reader usually has to consider it.
So theme of the given passage or the moral of the given passage is "A penny saved is a penny earned".
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