nope, it's manga. I think you mixed up on something. Kaminomi is based on manga even though their is a novel for it but the original is manga. And the anime is based on manga.
When three puppygirls named after pastries are on top of each other, it is called Eclair a'la menthe et Biscotti aux fraises avec beaucoup de Ricotta sur le dessus.
Most of all, you have to be disciplined and you have to save, even if you hate our current financial system. Because if you don't save, then you're guaranteed to end up with nothing.