I've been sitting here pondering since last replying.
I am a sole proprietor and definitely not a coder, but a close friend is a developer. Paid a local designer for the custom skin, but my friend has made a couple changes for other reasons. (shoestring budget here...) There is a change he made to same file. I have some items that need to be priced at 0.00 for purposes of X-Configurator, but wanted the resultant empty text box ("enter your price") to instead show as "Not sold individually".
Example here.
Now, that's still got a whole other set of issues surrounding it (better described in a separate post that I can dig up on request), and we still don't have it solved. I am considering hiring an X-cart expert (ahem!) to take care of it for me rather than burdening my friend.
But upon inspecting product_details.tpl closer, I do find that this is indeed the file in which he inserted a couple lines of code. I'd take them out to see if it solves the save money label, but (a) I'm not 100% sure what to remove and (b) it would cause other problems.
I hope pasting the below section of code is helpful - maybe you can get a feel for what is going on.
{* 2010-03-04 JWP - added this check to prevent price from showing for half bars *}
{if $product.price gt 0}
<td class="property-value" valign="top" colspan="2">
{if $product.taxed_price ne 0 || $variant_price_no_empty}
<span class="product-price-value">{include file="currency.tpl" value=$product.taxed_price tag_id="product_price"}</span>
<span class="product-market-price">{include file="customer/main/alter_currency_value.tpl" alter_currency_value=$product.taxed_price tag_id="product_alt_price"}</span>
{if $product.taxes}
<br />{include file="customer/main/taxed_price.tpl" taxes=$product.taxes}
{/if}
{else}
<input type="text" size="7" name="price" />
{/if}
</td>
{else}
{* 2010-03-04 JWP - added this check to prevent price from showing for half bars *}
<td class="property-value" valign="top" colspan="2">not sold individually</td>
{/if}
</tr>
That appears in lines 83-101 of same file.
I simply didn't think to notice if the save money label disappeared after this was inserted, so I don't know.