Untitled AI art by @talented-ledge2

Create a book cover for the title "Money Management Tips". The background should portray a close-up of hands holding a smartphone displaying a budgeting app, with notes and coins lightly blurred in the background. This gives a tech-savvy and modern feel. The title "Money Management Tips" is displayed prominently at the top in a vibrant color, while the author's name "Boingotlo Gosekwang" is placed at the bottom in clean, straightforward font, emphasizing clarity and educational value