I found ~15 of these while hiking on the Appalachian Trail in the last few weeks. It was interesting to learn they've been distributed for a number of years now, including within store-bought food packaging.
Its implementation may be a bit academic for what you're looking for, but Watson Beat (https://github.com/cognitive-catalyst/watson-beat) can generate music given a seed melody a number of configurable parameters.
All output is in MIDI files, and by default need to be glued together manually (though I suspect this could be automated).
I've also wondered how interesting this could get if it could be configured to dynamically feed the generated melodies back in as the seed, effectively evolving the music over time while remaining somewhat familiar from one adaptation to the next.
This is closely related to the idea of being "penny wise and pound foolish." For instance, you are actively depriving yourself a $5 coffee per day (or substitute your vice of choice) but you're leasing a new car every 2 years. In this case, you are not only cutting the wrong indulgences in the name of savings, you are giving yourself a false sense of accomplishment when there are much more beneficial steps that could be taken.
Finances are a hard thing to recommend to anyone else, as there are so many variables in personal finance. But very generally, it's worth considering where the largest single expenditures (or categories) are, and looking at how to lower those numbers first.