Saucy about girl's thrift (9)

I believe the answer is:

frugality

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'thrift' is the definition.
(I know that thrift can be written as frugality)

'saucy about girl's' is the wordplay.
'saucy' becomes 'fruity' (I am not sure about this - if you are sure you should believe this answer much more).
'about' is an insertion indicator.
'girl' becomes 'gal'.
'fruity' placed around 'gal' is 'FRUGALITY'.

Can you help me to learn more?

(Other definitions for frugality that I've seen before include "Thrift" , "economy" .)

I've seen this clue in the Sydney Morning Herald.

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