It/money doesn’t grow on trees
Definition 1 of 1
Pro Tip 1/3Spending Mindset
Emphasizes the importance of careful spending because money isn't unlimited. 
Let's look for discounts; money doesn't grow on trees, you know.
Pro Tip 2/3Earned Value
Reflects that earning money requires work and shouldn't be taken for granted. 
I work overtime for my paychecks—money doesn't grow on trees.
Pro Tip 3/3Budget Reminder
Suggests creating or following a budget due to limited financial resources. 
Repair the old bike instead of buying a new one; remember, money doesn't grow on trees.