Crossword Genius

Prudence doesn't complete the division (6)

Ross

I believe the answer is:

thrift

I'm a little stuck... Click here to teach me more about this clue!

'prudence' is the definition.
(I know that thrift is a type of prudence)

'doesn't complete the division' is the wordplay.
I cannot really see how this works, but
'the' could be 't' (the is pronounced as a 't' sound in some dialects) and 't' is found in the answer.
'division' could be 'rift' (I've seen this in another clue) and 'rift' is located in the answer.
A single letter 'h' remains which might be clued in a way I don't see.
This explanation may well be incorrect...

Can you help me to learn more?

(Other definitions for thrift that I've seen before include "Scrimping and scraping" , "Prudence in spending, economical management" , "Careful spending" , "Plant - saving - economy" , "Care in using money" .)

I've seen this clue in The Daily Express.
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