Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Stinginess Isn’t Smart...It’s Just Unattractive

280 replies

PapaPerspective · 11/07/2025 08:02

I’ve always had a real problem with people who are tight with money. Not just those who are openly stingy, but the ones where you only really notice it after a whil, the ones who never quite offer, who always seem to benefit from others’ generosity but rarely reciprocate. It’s not about being careful or living within your means, which I completely respect. It’s when someone’s so obsessed with saving a few quid that it starts to affect everyone around them. I find it hard to relax around people like that, and honestly, I don’t want them in my life.

There’s a massive difference between being responsible with money and being petty. I’m all for shopping around, getting a good deal, and not wasting cash. I do it myself. But when someone’s tight, it’s a different thing altogether. I remember being on a group trip where we’d all agreed to split the costs evenly—accommodation, petrol, food, the lot. There was one bloke who, every single time, had some reason why he shouldn’t pay the full share. He’d say, “Oh, I didn’t eat breakfast this morning,” or “I didn’t use as much hot water,” or he’d disappear when it was time to get the next round in the pub. At first, you think nothing of it, but after a few days, you realise everyone else is picking up the slack. It’s not just awkward, it’s disrespectful.

What really gets me is when people act like being tight is something to be proud of. I’ve met people who seem to think it’s clever to get away with paying less, almost like it’s a game. I once knew a guy who would go on about how he managed to get out of paying his share for a friend’s stag do, or how he “saved” money by never chipping in for communal stuff, and he’d say it with a smug grin, as if we were all supposed to be impressed. I just find it cringeworthy and, if I’m honest, a bit pathetic.

For me, it’s a deal breaker. If I meet someone—whether it’s a mate or a potential partner—and I get even a hint of that tightness, it puts me right off. I’d go as far as to say it’s almost as unattractive as being a serial cheat. Both traits are about putting yourself first, about a lack of generosity and basic decency. I’ve been on dates where someone hasn’t even offered to split the bill, or has made a big show of only paying for exactly what they ordered, down to the last penny. It’s not about the money, it’s about the attitude behind it.

Sometimes I wonder whether this sort of behaviour is just in people, or if they pick it up from somewhere. Is it nature or nurture? I’ve met people who grew up with nothing and are the most generous you’ll ever meet, and others who had everything and are tighter than a drum. I think some people are just wired that way, and I do think it’s linked to a kind of greed—a belief that the world owes them, or that they’re somehow clever for keeping hold of every penny.

There’s a growing sense of entitlement in society, and I think this is just another side of it.
It’s funny how society treats it, too. If you’re reckless with money, you get called out. If you’re a cheat or lazy, people don’t hold back. But if you’re greedy, if you’re tight to the point of making everyone else uncomfortable, it’s almost seen as a harmless quirk. I’ve heard people laugh about how tight their husband or wife is—“Oh, he won’t let me turn the heating on unless it’s minus five outside!”—and I just think, why are you putting up with that? It’s not funny, it’s miserable.

Look, I’m not perfect. I’ve got plenty of flaws, but being tight isn’t one of them. I’d like to think I’m generous, and I value that in other people. Generosity isn’t about splashing the cash or being showy, it’s about being fair and not counting every penny. Life’s too short to be petty about money. If you’re responsible, good for you. But if you’re tight, don’t expect me to stick around.

AIBU?

OP posts:
KittytheHare · 11/07/2025 13:35

housethatbuiltme · 11/07/2025 10:22

I don't chip into communal things because I don't agree with them and actively avoid them, don't care if people trying to force their choices on me think thats rude.

Like I'm not chipping in to your communal gift for someone random (I perfectly capable of choosing and paying for my own suitable gift if I was close enough to the person) and I'm not doing the whole 'let split the meal' equally shit either (I will pay for what I had).

There is zero need for stuff to be communal and honestly theres is virtually always someone one benefiting unfairly from it (its never equal/fair). If you do communal stuff you will notice and feel like this so just stop doing it, its a stupid concept in the first place.

Does this not cause awkwardness in your workplace/social life? Some things, such as chipping in for a workmate’s gift can be mildly annoying if you don’t know them that well, but I would tend to suck it up so as not to be seen as a miserly old git by my colleagues.

notahappycabbage · 11/07/2025 13:32

PapaPerspective · 11/07/2025 08:02

I’ve always had a real problem with people who are tight with money. Not just those who are openly stingy, but the ones where you only really notice it after a whil, the ones who never quite offer, who always seem to benefit from others’ generosity but rarely reciprocate. It’s not about being careful or living within your means, which I completely respect. It’s when someone’s so obsessed with saving a few quid that it starts to affect everyone around them. I find it hard to relax around people like that, and honestly, I don’t want them in my life.

There’s a massive difference between being responsible with money and being petty. I’m all for shopping around, getting a good deal, and not wasting cash. I do it myself. But when someone’s tight, it’s a different thing altogether. I remember being on a group trip where we’d all agreed to split the costs evenly—accommodation, petrol, food, the lot. There was one bloke who, every single time, had some reason why he shouldn’t pay the full share. He’d say, “Oh, I didn’t eat breakfast this morning,” or “I didn’t use as much hot water,” or he’d disappear when it was time to get the next round in the pub. At first, you think nothing of it, but after a few days, you realise everyone else is picking up the slack. It’s not just awkward, it’s disrespectful.

What really gets me is when people act like being tight is something to be proud of. I’ve met people who seem to think it’s clever to get away with paying less, almost like it’s a game. I once knew a guy who would go on about how he managed to get out of paying his share for a friend’s stag do, or how he “saved” money by never chipping in for communal stuff, and he’d say it with a smug grin, as if we were all supposed to be impressed. I just find it cringeworthy and, if I’m honest, a bit pathetic.

For me, it’s a deal breaker. If I meet someone—whether it’s a mate or a potential partner—and I get even a hint of that tightness, it puts me right off. I’d go as far as to say it’s almost as unattractive as being a serial cheat. Both traits are about putting yourself first, about a lack of generosity and basic decency. I’ve been on dates where someone hasn’t even offered to split the bill, or has made a big show of only paying for exactly what they ordered, down to the last penny. It’s not about the money, it’s about the attitude behind it.

Sometimes I wonder whether this sort of behaviour is just in people, or if they pick it up from somewhere. Is it nature or nurture? I’ve met people who grew up with nothing and are the most generous you’ll ever meet, and others who had everything and are tighter than a drum. I think some people are just wired that way, and I do think it’s linked to a kind of greed—a belief that the world owes them, or that they’re somehow clever for keeping hold of every penny.

There’s a growing sense of entitlement in society, and I think this is just another side of it.
It’s funny how society treats it, too. If you’re reckless with money, you get called out. If you’re a cheat or lazy, people don’t hold back. But if you’re greedy, if you’re tight to the point of making everyone else uncomfortable, it’s almost seen as a harmless quirk. I’ve heard people laugh about how tight their husband or wife is—“Oh, he won’t let me turn the heating on unless it’s minus five outside!”—and I just think, why are you putting up with that? It’s not funny, it’s miserable.

Look, I’m not perfect. I’ve got plenty of flaws, but being tight isn’t one of them. I’d like to think I’m generous, and I value that in other people. Generosity isn’t about splashing the cash or being showy, it’s about being fair and not counting every penny. Life’s too short to be petty about money. If you’re responsible, good for you. But if you’re tight, don’t expect me to stick around.

AIBU?

Chat gpt?

Rainbowstrike · 11/07/2025 13:31

Omg that makes sense! I thought it was just a very strange typo… or I hoped
that does sound ok though in context haha 😝

Finteq · 11/07/2025 13:29

Rainbowstrike · 11/07/2025 13:26

They massaged themselves sexually???

😂

I think they meant she flaunted the cash around and massaged her ego before asking .

Rainbowstrike · 11/07/2025 13:26

They massaged themselves sexually???

camperjam · 11/07/2025 13:25

I had a friend like this and it's one of the reasons we're no longer friends. Every single thing was about how to save money. We rarely ate out but if we did by the time she'd ordered the cheapest thing on the menu with a tap water, eaten half of my starter and used a voucher for her share it was miserable.
When she cooked it was always with the cheapest piece of meat that no one could chew.
Her wedding day was so stressful because she insisted on doing everything herself to save money but ran out of time to get ready herself.

AnonymousBleep · 11/07/2025 13:17

It's a deal breaker for me too. I'm not stingy in the slightest and I've had a few boyfriends in the (now very distant) past who've taken advantage of that, and I've ended up paying for everything. Never again! I find it a complete turn-off and won't date anyone who obsessively counts the cost of everything or insists in splitting everything in half down the nearest penny. In my experience, stingy blokes are always really controlling in other aspects of their lives too, and I wouldn't want to be shackled to anyone who moaned about me buying stuff off Vinted or whatever.

pushthebuttonnn · 11/07/2025 13:14

I've also known of a few people from NW of England who are extremely stingy. Is it a regional thing too?

pushthebuttonnn · 11/07/2025 13:12

My ILs are so stingy even though they're rich. They hate spending money and always talk about how expensive everything is. They cut costs all the time, won't buy things for example, they'll ask if anyone else has what they're looking for before buying it. They'll do everything themselves (shoddily) before it breaks again and they have to resort to paying a handyman. I don't think they've ever even spoken to a professional person in their lives, they would have a heart attack at the prices 🤣 they buy everything in charity shops even presents for others.
But the one think they will spend their money on is multiple holidays per year. Their holidays are prioritised over everything else. They don't go as far as holiday insurance though, and they are both elderly . Refuse to waste their money on it 😬

VoltaireMittyDream · 11/07/2025 13:10

whistlesandbells · 11/07/2025 08:50

I also think it is irritating but to add to this, I am overly generous. This also rubs people up the wrong way (not always) and I have had to learn to lean back.

My mother is overly generous, and most people experience it as intrusive and controlling. She literally can't not insist on paying for things for people - it's like a terrible reflex she can't overcome. She will fight like an animal to get the bill in restaurants and make a terrible scene. She is not terribly well off.

It doesn't feel like being treated. It feels like being bought, or being forced to exploit someone quite psychologically vulnerable.

She'll also try to carry people's luggage or shopping for them, even though she's a tiny elderly woman with horrific arthritis in her knees.

In her case it comes from her desperate need to be thought of as a good person / useful / needed all the time. It shows and it's really uncomfortable for everyone.

Relationships work best if things are roughly equal.

Bluntedscissors · 11/07/2025 13:09

1457bloom · 11/07/2025 12:48

Living within your means is never going to make you popular. You are always going to be popular if you live beyond your means and run up debt and splash the cash, put you car on hire purchase, massive mortgage max out credit cards, trouble is it ends in tears.

Who is saying people shouldn’t live within their means? Living within your means also means not trying to con your friends.

Jenkibuble · 11/07/2025 13:08

PapaPerspective · 11/07/2025 08:02

I’ve always had a real problem with people who are tight with money. Not just those who are openly stingy, but the ones where you only really notice it after a whil, the ones who never quite offer, who always seem to benefit from others’ generosity but rarely reciprocate. It’s not about being careful or living within your means, which I completely respect. It’s when someone’s so obsessed with saving a few quid that it starts to affect everyone around them. I find it hard to relax around people like that, and honestly, I don’t want them in my life.

There’s a massive difference between being responsible with money and being petty. I’m all for shopping around, getting a good deal, and not wasting cash. I do it myself. But when someone’s tight, it’s a different thing altogether. I remember being on a group trip where we’d all agreed to split the costs evenly—accommodation, petrol, food, the lot. There was one bloke who, every single time, had some reason why he shouldn’t pay the full share. He’d say, “Oh, I didn’t eat breakfast this morning,” or “I didn’t use as much hot water,” or he’d disappear when it was time to get the next round in the pub. At first, you think nothing of it, but after a few days, you realise everyone else is picking up the slack. It’s not just awkward, it’s disrespectful.

What really gets me is when people act like being tight is something to be proud of. I’ve met people who seem to think it’s clever to get away with paying less, almost like it’s a game. I once knew a guy who would go on about how he managed to get out of paying his share for a friend’s stag do, or how he “saved” money by never chipping in for communal stuff, and he’d say it with a smug grin, as if we were all supposed to be impressed. I just find it cringeworthy and, if I’m honest, a bit pathetic.

For me, it’s a deal breaker. If I meet someone—whether it’s a mate or a potential partner—and I get even a hint of that tightness, it puts me right off. I’d go as far as to say it’s almost as unattractive as being a serial cheat. Both traits are about putting yourself first, about a lack of generosity and basic decency. I’ve been on dates where someone hasn’t even offered to split the bill, or has made a big show of only paying for exactly what they ordered, down to the last penny. It’s not about the money, it’s about the attitude behind it.

Sometimes I wonder whether this sort of behaviour is just in people, or if they pick it up from somewhere. Is it nature or nurture? I’ve met people who grew up with nothing and are the most generous you’ll ever meet, and others who had everything and are tighter than a drum. I think some people are just wired that way, and I do think it’s linked to a kind of greed—a belief that the world owes them, or that they’re somehow clever for keeping hold of every penny.

There’s a growing sense of entitlement in society, and I think this is just another side of it.
It’s funny how society treats it, too. If you’re reckless with money, you get called out. If you’re a cheat or lazy, people don’t hold back. But if you’re greedy, if you’re tight to the point of making everyone else uncomfortable, it’s almost seen as a harmless quirk. I’ve heard people laugh about how tight their husband or wife is—“Oh, he won’t let me turn the heating on unless it’s minus five outside!”—and I just think, why are you putting up with that? It’s not funny, it’s miserable.

Look, I’m not perfect. I’ve got plenty of flaws, but being tight isn’t one of them. I’d like to think I’m generous, and I value that in other people. Generosity isn’t about splashing the cash or being showy, it’s about being fair and not counting every penny. Life’s too short to be petty about money. If you’re responsible, good for you. But if you’re tight, don’t expect me to stick around.

AIBU?

Yep - someone ( the mum of my daughter's friend - distanced myself now) would openly gloat about only paying nominal contributions for school trips (despite having 2 properties mortgage free) she would ask to park at mine for free , sold stuff I have given her that my child had outgrown.

AgnesX · 11/07/2025 13:07

I always think that unless people have a very limited income and have financial issues that being tight is a personality trait - so mean in every other way as well.

Interesting to see in this thread the whole "watch the pennies" brigade who will also be the ones who think that the younger generation squander their money on avocados.

There is a difference between careful and as mean as catshit.

Finteq · 11/07/2025 13:00

Thepeopleversuswork · 11/07/2025 12:29

@Finteq

I would disagree with this.
It all adds up.
The takeaway coffee and snack everyday. Lunch out with a snack. Eating out etc. Paying for multiple rounds.
It all adds up over time.
You would be surprised by how much.

You have to manage your budget well, for sure, if you want to stay on track and avoid debt. But that doesn't make people rich, it just allows them to live within their means.

You get rich (I mean really rich) by taking risks, not by penny pinching.

Agree by really rich.

But if you're the main bill payer and you're doing this for 4 people over a period of years it won't just lead to avoiding debt. I'd assume you'd be really comfortable maybe not really rich by some people's definitions.

I guess it's a whole mindset thing.

I'm into the FIRE scene.

So it's about increasing income and reducing outgoing. Taking risks - getting a promotion, negotiating salary increases and investments would be the increasing income part of it, but reducing outgoing is also very important.

LimitedBrightSpots · 11/07/2025 12:55

I agree. It's not about splashing the cash or being savvy, it's about paying your share and not imposing on others.

I don't know how these people manage to do it. I still remember one time I didn't pay my share (due to some confusion/too much alcohol consumed) and tbh I'm still mortified many years later to think that others were part-paying for me. I've always taken extra care to make sure that never happens to me again.

Finteq · 11/07/2025 12:54

TheDevilYouKnown · 11/07/2025 12:23

I don't know. I would probably be considered stingy here.

I'm..not. For myself. For my child, my family. But as for friends.. Well first of all, I'm an introvert, never really felt the need to have friends (although did and do have them) and at that stage of my life that I do what I want, don't compromise, don't try to please anyone and just DGAF.

I never try to weasel out of paying my share and always cover my own expenses, whatever it might be. But I would resent the 'rounds' system (not a thing where I am) or each paying equally for a share of meal, if the orders are vastly different. I obviously don't mind covering my own food/drinks, but I don't see why I should sub others. I don't want to. Unless a friend is in a hard spot, then sure I can pay for them (if they're not a piss taker). But otherwise - I pay my way, you pay yours.

Another thing is, I eat to live, don't live to eat. Food is irrelevant to me, doesn't bring me any sort of amazing joy. So I don't go out to eat often, mostly only when travelling. I resent paying ridiculous prices for substandard food (which is most of it). Equally I wouldn't go to Michelin restaurants, because spending multiple hundreds for a couple of hours of sitting somewhere and eating is insanity to me. If I have to go - I will obv pay, won't try to put my expenses on others, but I see it as an absolute waste of money.

I'm not a miser or excessively frugal. I do spend on myself and my child, we travel a lot, we both like books, clothes, jewellery, shoes and (paid) activities, museums, cinema, gigs, etc - I gladly spend on these things. But I don't want to waste my money going to pubs, clubs, restaurants, buying overpriced food and drinks, doing 'rounds' (what's wrong with buying your own drink?). That brings nothing to my life and I'd rather spend my money elsewhere.

Agree.

I prioritise my spending on my family.
So kids and siblings/ parents.

If I was out with friends I would want to split the bill.

With family. When out we just usually say I'll pay this time and you can pay the next. Or when been on holiday with family. Just told my sister to tell me how much I owe them and transfer the cash- I usually don't bring cash and bring my card along when abroad as she usually brings cash which she exchanges so depending on what we are doing it's better for either myself or her to pay.

I don't want my kids to get in the habit of wasting cash- so am trying to get them used to the concept of budgeting. My older niece gets so much cash given to her does work on the side but is always skint.

she has just graduated and is soon gonna start working in a decent paying job. But i know she will struggle financially. She has very expensive tastes. She will probably be subbed by her mum even though she will be working full time.( Junior doctor).
We are not as rich as her family so want to instill good habits in my kids.

SharpWriter · 11/07/2025 12:54

Thepeopleversuswork · 11/07/2025 08:46

I completely agree.

Being really tight is also very irrational because ultimately the value of a good reputation and good relationships will help you far more in the long term (including probably financially) than shaving 50p off the cost of a meal etc. It's very short-termist.

I have a friend who will obsessively cross check bills in restaurants and attribute every item forensically before paying the bill. I would understand if she was on benefits but we're in our early 50s and have stable and well paid jobs, it's completely unnecessary and it seriously pisses everyone off. The value of that additional marginal cash benefit would be far outweighed by the goodwill of enjoying a good meal, unclenching and being prepared to pay a little extra.

I find it childish and ungracious.

People who work out what their individual bill is then pay exactly that amount before getting up and leaving earlier than everyone else - just so they get out of paying the service charge. Urrgghhhh

Herewegoagainandagainandagain · 11/07/2025 12:54

Elephantiner · 11/07/2025 08:40

There are a lot of people who spend money they don’t have though, and I’d totally begrudge being expected to chip in. If I go out for dinner I’d never order the steak for instance. It’s expensive and I can cook a steak really easily at home myself. If lots of people had the steak and expect me to chip in I’d be pissed off. I don’t waste money like that because I’ve got bills to pay. I would pay my way but I’d begrudge it. Maybe that’s why people have 3 houses and you don’t.

There are so many people out there with debt and they’re idiots.

I love a steak when out (as well as when at home), if I order one and it looks like I am the only person ordering it I will say I'm going for the steak so I'll chuck an extra £10 (or whatever the rough difference is) into the tip to make up the difference.

If lots are ordering steak the onus is on you to not expect others to notice the price of what you are ordering and for you to speak up and suggest how to easily or fairly split the bill - the same way you would if skipping the starter/dessert, or if someone wasn't drinking/had a kids meals. No need for anyone to be restricted on their menu choices and no need to be a martyr or pissed off at others choices - especially with friends or family.

1457bloom · 11/07/2025 12:48

Living within your means is never going to make you popular. You are always going to be popular if you live beyond your means and run up debt and splash the cash, put you car on hire purchase, massive mortgage max out credit cards, trouble is it ends in tears.

AngelicKaty · 11/07/2025 12:46

@PapaPerspective I totally agree with you OP and I would always want to pay more, rather than less, because I couldn't bear the idea that anyone would call me mean or tight-fisted. I think you nailed the root of the problem in your final paragraph with the word "fair". I have a really keen sense of justice and fair-play and to me someone who is mean simply doesn't care about being fair - and I suspect they're not just mean with money, but also mean-spirited so they view the whole of life as a game that they have to win at all costs (at other people's costs that is!).

ilovepixie · 11/07/2025 12:46

Finteq · 11/07/2025 12:25

I would disagree with this.

It all adds up.

The takeaway coffee and snack everyday. Lunch out with a snack. Eating out etc. Paying for multiple rounds.

It all adds up over time.

You would be surprised by how much.

I agree. Remember the old saying look after the pennies and the pounds will look after themselves!

bugalugs45 · 11/07/2025 12:44

Agree totally ,
nothing comes higher on my ‘ ick ‘ list than a skinflint man! Lol

Phoebesparrow · 11/07/2025 12:44

Both my parents are tight (my father is just tight but my mother will plead poverty unless it's something she wants) but are millionares

I was a skint single mother (years ago) watching every single penny and turning them into pounds

I once asked if my father could lend me 5p and he asked for it back a week later

They happily lived in a damp house(I mean water pouring down the walls and ice on the inside of the windows)never allowed to touch the phone,no heating unless my father was at work and she was cold and only on the lowest setting,no new clothes,shoes would be the cheapest she could find,we had to buy our own school uniforms/books/pencil cases/pens etc,we had to walk miles rather than catch a bus,food was either the cheapest of the cheap or yellow stickered,birthday and Christmas presents would be whatever she could buy as cheap as possible and was never what we wanted and every single time we desperately needed something,we would know what an expense we where and how much of a burden we are

I had kids and they would refuse to buy them an ice-cream on a day out (my mother would buy her own and hide to eat it),no fish and chips (again,shed leave the kids with my father and hide to stuff her face-theyd get cheap cheese sandwiches that where warm)no trip to the shop to buy a cheap and tacky souvenir,she once refused to let ds take some tat from her house for show and tell as she'd spent money on it and he might lose it (ditto a carrier bag for dd to put her bits in-she refused in case dd didnt bring it home again)and all birthday/Christmas presents would be a cheap and fake copy of whatever they where into (the kids are now grown up and remember 'Rob the builder','tat ted' and that cheap crop top for my then 8 year old that read 'dont touch' rather than von dutch-it fell apart in her hands)

The kids remember her banging on about some ice cream stall that did 'buy a scoop,get one free' but she'd only wanted the one scoop but was charged full price-the kids where like 'what ice cream?'

They will leave a lot of money to my siblings (I'm nc and I've been written out years ago) but no nice memories

Hope every pound Is worth it

MightlySlad · 11/07/2025 12:42

Teenybub · 11/07/2025 09:53

I had a friend that never wanted a drink when it was her round and would be thinking about leaving so wouldn’t go to the bar, but then would change her mind and want one when the next person was up. I got good at asking her to help carry drinks back and then saying will you pay while you are up here because this is my second round and you’ve not got one yet have you.

She would insist on working out individual shares of the bill rather than splitting even though we would all roughly order the same and share bottles of wine, she would always go last, count what had been put in and pay the difference, meaning anyone that had put a tip in paid for her meal and no tip went to the staff, we only realised that towards the end of the friendship or she would have been pulled up for it.

We went away and realised it was cheaper to get a hire car as a group than paying transfers, it was used a few times for trips to the supermarket when away, we could have walked but took it because we had it. When we needed to put petrol in to drive back to the airport we realised out of the 5 of us only she hadn’t contributed so asked her to put £20 in which was the same as we had all paid each, she argued that she wasn’t paying because she couldn’t drive so why would she pay for a car, she hasn’t spoken to me since because I didn’t let her in the car to go to the airport and she had to make her own way there.

The most annoying part was she was in such a better position than the rest of us, she had a very well paid job, low mortgage and two lodgers that covered more than her mortgage and bills, the rest of us were all renting and starting our careers out of university.

The bit about not letting her get in the car to the airport is hilarious! I need to know more! Did the others back you up?

Mary46 · 11/07/2025 12:42

Hate it too. My mother is quite mean will get full lunch if your paying it.. not nice. Think some people just tight. And they would never offer. A friend does same so I dont meet her as much.

Swipe left for the next trending thread