Correct Answer - Option 3 : frugality
The correct answer is option 3.
Frugality: the quality of being economical with money: has a positive meaning
Miserliness: extreme meanness, excessive desire to save money: has a negative meaning
The phrase 'not be confused with miserliness' implies that though she spends her money economically ( frugality and not miserliness ), she always helps those in need.
Option 1 ('cleanliness') and Option 3('punctuality') do not fit in the context of the sentence and thus can be eliminated.