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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:
AddictAlice · 11/07/2025 09:29

I had a friend who I really loved. I was lucky enough to earn good money and they were in a bad place financially (or so they kept telling me). I paid for them and their child to come on holiday with me for many years and helped them out quite a bit. I recently found out that they had saved a lot of money (presumably by not paying for holidays and the money gifts I gave them, which were substantial). They now flaunt the fact that they have that money. They recently went off on holiday with their child and didn't even invite me. I don't regret what I did because I wanted to do it, but I do feel that I was taken for a fool. I believed them when they pled poverty and should have left them to deal with it.

Nowadays I would encourage people not to help others in that way, to let them find their own way in life. (I also came to realise that this person actually resented the gifts even though they had pushed for them and fell out with me in a big way. But that's the subject for another thread).

AddictAlice · 11/07/2025 09:31

Thunderpants88 · 11/07/2025 08:55

one of my siblings is like this.

Over the years I paid for EVERYTHING when we were out. They were overhead my DM a few years ago saying to another sibling “oh if you need something just mention it when thunderpants is in the room and she will buy it for you. That’s how I get stuff”

I have grown a backbone in the last couple of years

I sympathise! I have been in this situation. Unfortunately, it has taken me years to work out that they were simply using me. It's a horrible realisation, isn't it?

I am glad that you have found a way to ignore their hints (which is very hard if you are an empath).

AngelinaFibres · 11/07/2025 09:33

My husband plays a lot of golf. Golf isn't a cheap hobby. There are several men who are happy to receive a drink as part of a round but are notoriously tardy in taking their turn to return the favour.They have expensive kit and drive premium cars but their wallets are clamped shut when it comes to other people

anyolddinosaur · 11/07/2025 09:34

I voted YANBU because you are talking about an extreme. However I also get very annoyed with the people who order steak and champagne and expect those who are not drinking to split the bill. That's just being a CF.

Ribecx · 11/07/2025 09:39

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'm not in debt. I've also never begrudged paying my share of a restaurant bill because others had something more expensive than me.

These two things are not mutually exclusive.

If I go to a restaurant it's with friends or family that I love and enjoy spending time with. I want us all to have a good time and enjoy ourselves.

Why would I care if I pay an extra £5-10 because a few people enjoyed steaks or cocktails?

That is not going to put you into debt.

Your attitude is really unpleasant.

(I suppose the disclaimer here is that I don't have any friends/ family who would be ignorant and rude enough not to offer to put in a bit more if they had a bottle of champagne or five cocktails to themselves - THAT would annoy me but it's just never been an issue in my circles).

AutumnLover1989 · 11/07/2025 09:39

dottiedodah · 11/07/2025 08:17

This really annoys me too!Always seems to be those with loads of cash who do it .Someone I know with 3 houses never seems to have any money! Once they asked me for 2 quid for a car park (their car) we were travelling separately!

Well this is why they have loads of cash 😬

It's such a horrible trait to have. I knew someone who would work out a restaurant bill to the last penny and not chip in for the tip 🙄

Kelticgold · 11/07/2025 09:41

I feel a bit conflicted about this because my parents were very generous in some ways, like paying for my uni fees + accommodation, my wedding, and they helped me with my house deposit (we are talking about a 6 figure sum)

But it was with the small day to day expenses they were always so overly cautious, I find it exhausting.
We never went on holidays (we had days out, we would bring our own food, always), I can count the times we had a meal at a restaurant. If we went to a cafe we were allowed just juice or a hot drink, no pastries or cake, my mum would put the small sugar packets in her bag because “she paid for them”.
Recently while visiting, she complained I use too much toilet roll, to the point I started to buy my own. 🤣
I could carry on but it is too embarrassing, and again, they have been generous in other ways, so I should shut up and be thankful.

ForeverDelayedEpiphany · 11/07/2025 09:43

My friend used to only shop in charity shops and had to buy all her clothes second hand. Nothing wrong with that at all, I mean I buy from Vinted a lot, but she was literally obsessed with saving money and every penny.

Spreadsheets and writing down every purchase too. Very sensible but she was bloody tight and used to only drink soda and lime on a night out for 70p. That really irked me and at times, I felt like telling her to down the biggest, most expensive glass of wine and lighten up!

WasThatACorner · 11/07/2025 09:44

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.

But you've chosen to go out for dinner with these people. You obviously want to spend time with them, why not just split it for the sake of maybe £10? And before anyone jumps on me, I'm well aware that £10 isn't nothing, we live on a pretty tight budget ourselves but there is a value beyond money in time spent with people you care about.

My food always costs less and is less nice than everyone else's because im vegan and its very rare everyone else would pick a vegan restaurant. That's ok.

And the argument of steak is cheaper and easy to make at home..... all food costs more in a restaurant, they have to pay staff, overheads etc. You can't quantify the value of time enjoyed with friends / family.

Tennislives · 11/07/2025 09:44

Meanness goes to the very core of a person's character.

It seeps into every area as their first motivation is to come out ahead in every interaction.

The most awful trait.
I studiously avoid those that show even a hint of it.

MounjaroMounjaro · 11/07/2025 09:44

It wouldn't bother me if she was drinking lime and soda, though, as long as she didn't switch to a glass of wine when it was someone else's turn to pay.

ManyATrueWord · 11/07/2025 09:46

Agreed! Some people are mean.
In PTA land the chair was upset that someone had told her all our stalls should be 50p each not £1. She calmed down when I pointed out the person in question owned multiple properties and was not in any way poor.

ForeverDelayedEpiphany · 11/07/2025 09:51

MounjaroMounjaro · 11/07/2025 09:44

It wouldn't bother me if she was drinking lime and soda, though, as long as she didn't switch to a glass of wine when it was someone else's turn to pay.

Well, she was pretty tight in other areas too - only buying the cheapest tyres for her car etc. Not.very safe IMHO, I would rather spend more on decent tyres to save you in bad weather or an accident...

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.

Nodlikeyouwerelistening · 11/07/2025 09:53

Worse than being tight, or being tight and bragging about being tight, is being tight and bragging about all the expensive branded sh*t they buy! Drives me insane. I have a very wealthy friend who can’t ever talk about anything they’ve bought, like a car, or a new kitchen they are putting in for example, without also announcing how much it cost. When someone called them out on it they started to just name drop the brand instead just to let you know it’s expensive still.
Comes to their turn for buying a single round of drinks though and you can’t see them for dust.
You get to an age where you just cba with people like that so ultimately they end up missing out as they stop being invited anywhere.

4forksache · 11/07/2025 09:54

I also feel that way about women who want men to pay for them on dates. Fair enough let them pay for the first date if you want to see them again, and you will pay for the next date, but if you know you aren’t going to have a repeat date, then you should at least offer to split the bill.

KimberleyClark · 11/07/2025 09:57

I know what you mean. It’s like people who are obsessed with not paying to park their car and will go miles away to find somewhere to park for free rather than use the nearby multi storey.

Inexplicable3Bed · 11/07/2025 09:57

Stinginess is the worst. We have one wealthy friend who has been like this since we were students and is exactly the same in her fifties with a household income of £250k. Always lets others buy the drinks etc. we have a v generous friend group so she gets away with it.

Stinginess is an ingrained personality trait unrelated to income, in my view. It’s a state of mind that often extends to other areas of life in terms of behaviour.

Stef3 · 11/07/2025 09:57

Britneyfan · 11/07/2025 09:11

@Elephantiner I love having a steak at a restaurant! I’m also partial to expensive cocktails… however I generally wouldn’t order the stuff I really wanted when out with friends when younger as people preferred to just split the bill equally and I didn’t want to take advantage of them as they would insist on just splitting the bill regardless even when I said it’s not fair as my share should be more. And I knew that some of them were less well-off than me and also worried that they secretly resented it.

Now I am older I decided I was tired of depriving myself of what I really want when I am out, which is often the most expensive item on the menu (unfortunately I am cursed with expensive tastes!). So these days I told my friends when we are ordering that I don’t want to feel like I can’t order what I really want just because it’s expensive and others will effectively be subsidising me, when I am happy to pay for it. And that I will pay my own share and the rest of them can split the bill if they like! @whistlesandbells is this the sort of thing you were talking about? I truly love my friends for being “overgenerous” like this but it genuinely left me feeling I couldn’t order what I wanted from the menu because it would be unfair to them for a while!

Yeah, I have a big appetite. I often have two courses but when I do and others don’t I will ensure I roughly add up my stuff and round up with a generous margin, ensuring service is covered too of course.

DH is very nice (and quite well off) and has had to pick up the tab far too often when people round down and don’t consider service - which can really rack up when it’s lots of people eating and drinking in a nice restaurant. It irritates me and then he wonders why I’m not bothered about going out for dinner with these people again.

I’m with all those who have said they can’t be friends with tight people, let alone in a relationship.

springissprung2025 · 11/07/2025 09:58

A wise woman once told me that generosity of spirit is one of three characteristics that we are either born with or not ( can’t recall the other two!). If someone has generosity of spirit that informs all their behaviour, the child who will share toys or not, the child who will spend pocket money or stash it away and on through life. It also describes how giving someone is with their time ( if they’re not getting something out of it).
I think this is quite true. A mean person will be mean if they’re rich or poor

Rewis · 11/07/2025 10:02

I agree eith everything except splitting the bill at a restaurant. I firmly believe everyone should pay what they had instead of splitting it evenly. And waitres asking "paying together or separate" should be universal. I want to wat what I want and I want to pay for what I ate 😃

But yes but in general cheap people are the worst. Especially the ones who are proud of it.

Stef3 · 11/07/2025 10:04

springissprung2025 · 11/07/2025 09:58

A wise woman once told me that generosity of spirit is one of three characteristics that we are either born with or not ( can’t recall the other two!). If someone has generosity of spirit that informs all their behaviour, the child who will share toys or not, the child who will spend pocket money or stash it away and on through life. It also describes how giving someone is with their time ( if they’re not getting something out of it).
I think this is quite true. A mean person will be mean if they’re rich or poor

No, I disagree. It’s nurture, not nature. My parents and ILs were both generous (often to a fault) and I’m exactly the same, as is my husband. Children learn to share - perfectly nice kids still need to be taught to share when very young. Same with pocket money: we were encouraged to save some and spend some. My siblings and I have healthy but not huge amounts of savings but enjoy life too within our means.

CoffeeCantata · 11/07/2025 10:06

I knew a girl at university who announced she was trying to economise. She didn’t buy meals in the cafeteria but instead sat and just picked bits off other people’s plates without asking.

And no, she wasn’t in dire straits - we knew that. I wouldn’t be posting if it was a simple matter of being without funds. She just wanted to saver her money for other things.

sunseasex · 11/07/2025 10:09

OMG yes! I know a few people like this.

FIL is a millionaire. Very happy to spend ££££ on himself, business class flights, exotic destinations. He inherited handsomely from his parents (houses and a business). He is almost 80 and has not shared any wealth with his children. DH is ok for money, but FIL's daughter is absolutely skint and he never offers any financial help. He has grandchildren and has been known to find an old toy in the house and give it to them on a birthday/Christmas. Harps on endlessly about his expensive holidays, knowing that SIL hasn't been on holiday for 20 years.

My friend has always been tight. She inherited £500k recently and still bangs on about being broke. She doesn't know what I know about the inheritance, so I can't even tell her to knock it off (I have concrete proof).

One time, we were out with DH's friends, 4 couples. When the bill came, the others worked out to the penny (with a calculator) what we all owed. There was no provision made for a tip, so I threw in extra to cover it. One of DH's friends picked up my tip and pocketed it saying "oh there's too much there". I didn't say anything because I do know they are broke, but still!!

For me, I can be sensible with some things, for eg. I was in a posh supermarket the other day, and the fish I normally buy for £2.99 at Aldi, was £6.50! I left without it. But on the flip side, I'm happy to pay loads for meals out and holidays, because I see that as money well spent. I am always treating my adult kids too (which is probably why FIL rankles so much!)

thepariscrimefiles · 11/07/2025 10:11

Cavello · 11/07/2025 08:34

You are not wrong. My FIL is exactly like this and twice divorced because of it. He's always been tight. He's retired now and always crowing about his 3 pensions and how he has so much money every month he can't spend it all. Here's just a short list off the top of my head over the years:

Wouldn't give his grandson a slice of bread from a full loaf for breakfast, he'd bought the bread over with him and stayed overnight. He'd enjoyed a 3 course steak dinner with wine courtesy of me the night before. It wasn't special bread, just an Aldi seeded loaf.

Went with DH to the shop to pick up bits for dinner that he was joining us for, refused to buy a box of ice-creams for £1.48 for his grandchildren saying they have enough off me (side note he does absolutely nothing for them or spend any money above £20 at Christmas and Birthday). Then when he returned from the shop tried to pass off to me that he bought them when I thanked him.

Out with his walking group near his ex-in-laws, who he hadn't seen for more than 20 years, when the walking group decided to stop in a cafe for cake and a coffee, he decided to go to his ex-in-laws instead, invited himself in for a sandwich and cup of tea. They were so surprised to see him they couldn't say no. Also they were lovely people.

His brother and sister-in-law were visiting. He came home with a 4 pack of chocolate éclairs and before he walked in the house he took a bite out of each one.

Giving his 2nd wife scraps of change from his pocket when she said she couldn't go out with her daughter for tea as she didn't have any money.

Saying he'll take us out for dinner, comes over we go out for dinner, bill arrives, he sits on his hands, I have to put it on my credit card as we were skint.

He used to join us all the time when we would go out for the kids birthdays, every time we would end up paying for his food. Breakfast at McDonalds, dinner out. We had to stop telling him we were going places as he would invite himself and expect us to pay, and we're always skint.

Pretended he bought our boys their PS4 for Christmas to brother-in-law.

He's honestly mental. The icre-cream was the latest incident and pissed me off so much as money is tight at the moment as DH lost his job due to an accident at work so it's just me earning right now. I made homemade pizza as its cheap.

Why on earth do you still see him? Taking a bite out of four chocolate eclairs so nobody else could have one is psychopathic. I'd give him the widest possible berth. He can use all his money for care in his old age as hopefully nobody will go near him.