Question:
Careful with money, and punctual with time, even though appearance suggests otherwise.
Answer:
Filthy kid in North Fourside or Apple Kid
Explanation:
Careful with money, and punctual with time, - The dirt bag kid mentions how he's Careful with money, and punctual with time. Didn't see that one coming, didja? And as for Apple Kid, you give him money, and he's careful with how he uses it. Plus he's punctual with his inventions, as they always seem to come at the right time.
even though appearance suggests otherwise. - The Filthy kid says how he doesn't look like it, and Apple Kid's house is all messy. Though, you'd think they'd at least be able to afford a bathtub :-\
