Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

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:
Instructions · 11/07/2025 10:12

I don't know really. I have too much recent experience of well off people insisting that others are being stingy/ mean/ tight when those people are just bloody well poor. Not everyone wants to give a detailed account of their finances to acquaintances in order to justify not keeping up with their spending, nor should they feel obliged too.

I am sure there are people who are just shitty and grasping and out to take as much as they can from others and don't care for people in their lives as they should including witholding necessary items they should be buying/ funding for them.... But I am also really sure that too many people assume others are mean when they are just without funds. And the comments that are basically "oh god I hate people who want to pay for what they actually ate and drank rather than just splitting the bill equally" illustrate that.

Greatergreen · 11/07/2025 10:15

This is my husband’s best friend. Earns a fortune, boasts about not „spending unnecessarily“ and is a complete freeloader. We have bought concert tickets and not been paid back. Had to pay his share of kit hire and holidays. I have said no more of this. He regularly comes to stay. Never brings anything, eats tonnes. Ugh.

myheadsjustmush · 11/07/2025 10:21

When I was a child, my mum had a cleaning job at a little local shop.

The (very rich) owner told my mum to put the rubbish in the dustbin, wash out the bin liners, and re-use them. 🤯

Bluntedscissors · 11/07/2025 10:21

Agree OP. When it becomes noticeable I start to feel resentful and uncomfortable. You don’t notice initially and by the time you do, you feel like a mug. My husband and friends are generous. It’s completely different to affordability (people shouldn’t feel forced beyond their means), or flashiness or if someone says they don’t want to be involved in rounds etc. It’s as though we are assuming it all comes out in the wash and someone is deliberately contriving how to exploit that.

I feel like a ‘taker’ in a way now, which I really struggle with. I’ve had long covid for quite a while now. Obviously, lots of other parents don’t know. Maybe they think I’m taking time out from my job. If someone asks for a favour on the class WhatsApp or need help for a bake sale or the fair etc, they must wonder why I never offer. The days they see me are the days I’m well enough to do a school run. They don’t know that that might be all I’m capable of that day. It’s like a reverse of imposter syndrome - I sometimes struggle with accepting how little I’m able to do now. The irony is I would completely accept that as a good reason why someone else couldn’t pull their weight.

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.

Radiodahdahdah · 11/07/2025 10:22

My SIL is like this and is a specialist in the false economy. There was the time it took her six months to pay us £25 for a pair of sofas we were giving her that were worth thousands because we were redecorating and she had said her and her partner needed to buy new sofas so we thought it made sense. And the other time that they bought a roof box for £10 and was surprised when it broke as they were on the motorway.

Cattery · 11/07/2025 10:23

ShoeeMcfee · 11/07/2025 08:05

I agree that some stingy people I've met pat themselves on the back and think that they're so clever getting one over on others. Tightness runs right the way through someone's personality and I agree, it's extremely unattractive. It's akin/the same as being mean spirited.

It absolutely does run through someone’s personality. Mean with money, mean of spirit. Won’t spend money=wont do anything for anyone. I’m talking about people who have got money but still restrict themselves. Would never do you a favour. It’s all seen as “poncing”.

tinygigolo · 11/07/2025 10:32

There's some atrocious examples on here, but I noticed your wording in the OP:
"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."

That seems to suggest you would like them to pay for you? I wouldn't count someone offering to pay for what they ordered as tight

simpsonthecat · 11/07/2025 10:34

Urghhh hate stinginess

I had a boyfriend once who went to great lengths to work out what we were spending going out, meals out, cinema popcorn, everything... to the last penny. I am the sort of person who just says "I'll pay tonight" and happy to do so. Swings and roundabouts, sometimes you're paying more, sometimes not. But it tends to work out even stevens.

When he got out a notebook to go through every penny we had spent and expected £1.70 from me to make it totally equal... his fate was sealed! He was toast

Also had a flatmate a long time ago that pleaded extreme poverty. I was always subbing her. She was forever putting supermarket stuff in my trolley saying "I'll settle up later". She never did.
Then by nefarious means I found she had literally thousands in savings!

FishPie2 · 11/07/2025 10:35

We never noticed for a while that a friend wasn't tight with money but was greedy. 10 of us out for lunch (in the sun in Spain).
Most of us have a wine when we get there, he has 2 as he knocked back the first. Starters - most don't bother as it is so hot and we want to eat light but he has a plate of tapas. Main - fish or tapas, he has a large steak with all the trimmings. Puds - he had a knickerbocker glory with extra fruit. Coffee, the most expensive one with a brandy. Just before we were going to pay the bill he asked for another brandy and choc ice to take out with him.
Our choice, we could have had the same as him if we wanted but anyway we split the bill by 10 of us and he said - that was good value for 12 euros, I will not have to have dinner and got a neighbour to bring him so that he could have a good drink.
This is when we realized he had always done this so never got asked again.

sunseasex · 11/07/2025 10:43

FishPie2 · 11/07/2025 10:35

We never noticed for a while that a friend wasn't tight with money but was greedy. 10 of us out for lunch (in the sun in Spain).
Most of us have a wine when we get there, he has 2 as he knocked back the first. Starters - most don't bother as it is so hot and we want to eat light but he has a plate of tapas. Main - fish or tapas, he has a large steak with all the trimmings. Puds - he had a knickerbocker glory with extra fruit. Coffee, the most expensive one with a brandy. Just before we were going to pay the bill he asked for another brandy and choc ice to take out with him.
Our choice, we could have had the same as him if we wanted but anyway we split the bill by 10 of us and he said - that was good value for 12 euros, I will not have to have dinner and got a neighbour to bring him so that he could have a good drink.
This is when we realized he had always done this so never got asked again.

Urgh what a piss taker! Instantly reminded me of my cousin. This was way back in the 90's when he was a high earning London hot-shot. He visited us in the Midlands, and we all went out for dinner at a nice posh hotel. He ordered the most expensive thing on the menu - lobster and champagne - and then the bill was split evenly between us. We were all waiting for him to offer to chip in extra, but he never did. Goodness knows why no one had the balls to say something.

Since then he lost his job, became an alcoholic, is broke, and is now missing. Definitely alive (can see that from his son's FB) but no idea where he is.

Teenybub · 11/07/2025 10:43

tinygigolo · 11/07/2025 10:32

There's some atrocious examples on here, but I noticed your wording in the OP:
"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."

That seems to suggest you would like them to pay for you? I wouldn't count someone offering to pay for what they ordered as tight

Hasn’t offered to split the bill…. That means haven’t offered to pay half.

Unorganisedchaos2 · 11/07/2025 10:52

Totally agree OP.

I have a friend who is very careful with money (and has done well because of it) she'll suggest booking soft play as one booking so we can share the £1.50 booking fee for example, but she wouldn't do you out of a penny and is generous and thoughtful with gifts for DD.

My sister on the other hand seems happy to waste her own money on herself but is very reluctant to spend it on anyone else including her own DD, she seemed genuinely shocked that shed need to buy anything for her as she expected most of it to be given to her, even though she'd been given huge amounts already.

She'll happily turn up to events without a card and present and still complain that things aren't up to scratch. One notable one was a family members milestone birthday where they had kindly offered to pay for everyone's meal, she brought no card and present, then rudely and loudly complained when her DD's meal wasn't what she expected - she actually told the waitress to go back to the kitchen and come back with what she'd asked for (I wanted the ground to swallow me up) She also has form for disappearing when the bill arrives, I refuse to go anywhere where you don't pay as you order and funnily enough she never seems keen to go to these places so we just don't go out.

Kurkara · 11/07/2025 11:03

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.

I am in a similar situation with my in-laws.
They are very wealthy, completely different to the family I grew up in. And very generous, in one way, but also frugal in the way you describe.
When we stay with them they will bring home partially rotted vegetables from the bargain bin, and announce proudly the price they paid. I would never say a word, they literally paid off our mortgage, I feel nothing but gratitude towards them, but I find the (compulsive?) bargain hunting difficult to understand.

Bluntedscissors · 11/07/2025 11:07

@housethatbuiltmeI think it’s fine if you don’t want to put in for a communal present or have a separate bill etc. If someone doesn’t drink and everyone else is drinking, or if someone is having three courses and most people are having one, alot of people would have the presence of mind to say ‘we should put more in as we’ve been drinking’ or whatever. The ‘tight’ person will often order more expensive than they normally would, including types of drinks - because they want to benefit from the group. When they think they may be out of pocket, they want a separate bill - there’s no consistency. That’s pisstaking in a different way.

I was abroad for a wedding and one night the bride and groom had arranged a dinner out. Me and my husband asked if anyone wanted wine. No one did, so we ordered a bottle on a separate bill, paid it, offered the wine to people and thought nothing more of it. When the bill came, at the other end of the table, we could hear something kicking off. The groom’s sister was pissed off as she thought she was paying for our wine. I asked to see the bill as I thought we’d been charged twice. We hadn’t. Even if we had, there were sixteen people and we were all going to be at the wedding two days later. Why go so overboard? Interestingly, the bill had lots of soft drinks, coffees, some spirits etc. If I was petty, I could have asked for just the main meals to be split, or asked why we were covering everyone’s drinks! I didn’t initially care about those things, but the attitude when the roles were reversed was an eye opener. Incidentally another couple said from the off that they wanted to pay separately and were on a tight budget - no one cared, perfectly fine.

If there’s a group where everyone doesn’t know the whole group that well - a parent’s meet up for example - some may have to leave earlier and may cover their cost before going. A generous person will at minimum always leave enough to cover their cost and tip, a tight person will often leave less. It never works out the other way and that’s what makes it eventually noticeable.

lifesalive · 11/07/2025 11:10

I've come across all sorts over the years, so now (after being burned so many times) am pretty wise to it.

My ex would always 'forget' his card when we popped out for a walk or something, and then decide we needed to stop at Sainsburys on the way home just for one ingredient for dinner. Just borrow my card, and then come out of the shop with bags of treats for him and things for his work lunches during the week.

I had one boyfriend who whenever we would go for dinner and it was my turn to pay would order the steak and sides, but when he was paying going for something more mid menu.

Went on a group holiday where we all paid into the kitty, the men went to the bar each evening and the women stayed at the villa to do dinner (😫) and open a bottle of wine. Within three days the men had done the kitty for the week and asked us all to chip in again....

Don't get me started on the woman who faffs in the changing room at the golf club to be the last one at the bar...every time. Or the ex who would take my card to the bar to order drinks and come back saying he'd ordered us snacks as well (lovely, but never on his round).

I have limited mobility before anyone asks why I am letting people go to the bar for me, or staying in the car rather than popping into the shop myself.

Potentialscroogeincognito · 11/07/2025 11:17

I agree it’s annoying but you might want to avoid getting ChatGPT to write your posts - it’s just as annoying.

atotalshambles · 11/07/2025 11:17

I can't bear stinginess. If someone is genuinely in financial difficulty then I'm always happy to pay for them. It is the people who actually have money but are very tight about spending it and then do stingy things like they will order starter,main and desert when you have a main only )and want to split the bill. Life is too short to spend any time with anyone like that. I wouldn't bother with them again.

Dragonfly97 · 11/07/2025 11:17

My in-laws are like this; they've got money for cigarettes, alcohol and lottery, but tight with everything else. Thankfully DH isn't like this!!

LatteLady · 11/07/2025 11:18

I am reminded of the husband of a friend who forensically examined the bill at a restaurant... and then told me I would have to ante up more as I had two spoonfuls of peas, there were still peas left over in the serving dish! Now that is tight and unpleasant, and the mortified look on my friend's face said everything. He is a bargain food shopper, too but fortunately my friend will not have any truck with his shenanigans and waltzes off to Waitrose. I blame his parents, as they are just the same.

GETTINGLIKEMYMOTHER · 11/07/2025 11:22

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.

Dh is over generous! We used to stay fairly often with friends, where the bloke was as tight so they come. Virtually every time we ate out (at least once every weekend) he would conveniently have ‘forgotten his wallet’. Then he’d say he’d give us a cheque once back home, but then could never find his cheque book, and would ask his wife to write one. She was a lot less well off than him (always separate finances) so we hardly ever paid them in.

Good old dh would invariably just pay up. I only ever saw him seriously pissed off once - a Big Birthday of male friend, so we paid for expensive West End theatre tickets for 4, plus a night in a London hotel, plus a lunch.

He had particularly wanted Sunday lunch at a special Savoy carvery, and had said more than once that it’d be his treat.
Only once again, he’d ‘forgotten his wallet’ - dh paid yet again - and more excuses later.
He only finally sent a cheque at least 3 weeks later. And I suspect, only after a lot of highly embarrassed urging from his wife.

When he died he left 2 houses paid for and over £1m cash.

OohhhhhBigStretch · 11/07/2025 11:25

I think being frugal is great, and also living within your means.

But stingy to me is usually when someone doesn’t want to use their own money, but happy to spend other peoples. Expecting others to pay for them, split 50/50 in a restaurant but orders the most expensive item, always goes to the loo when it’s their round. Refuses to spend money on a holiday, but happy for someone to pay for them to go. I couldn’t be in a relationship with someone like that.

Verybritishproblems101 · 11/07/2025 11:29

My ex seemed tight with money and even made me pay him back £3 for my happy meal. Then he’d tell me about his new £200 shoes he’d treated himself to. Embarrassing really. Tight/selfish, I don’t know.

simpsonthecat · 11/07/2025 11:30

I paid for someone (an ex female friend... note 'ex'!) to go on a holiday. She didn't earn much and was always strapped for cash. We had to fly from different airports because of where we lived but the flights got in similar time.

When I say I paid for everything, it literally was because she had only brought 50euros for the week and said she'd pay me back (didn't happen)

When we got to the apartment she said 'you have to see this skirt I bought at the airport'. I was completely gobsmacked when she said it cost £90! Why the fuck was I paying for her holiday if she could afford that?!

She was a total freeloader

Bulldog01 · 11/07/2025 11:36

Yes, I dislike meaness, not attractive in anyway, yet, some people feel smug about it! Went to a meal out with friends.The restaurant was not ever going to be cheap.Friend & I had a basic meal with Water & a coke.Other friend & her partner had 2 racks of lamb & bottles of red wine.I knew we were going to divide the bill by four, it was a bit cheeky,I find it even rude.If I plan to have a bit of a feast,I will mention from the start that I will pay what I owe for the whole cost of my meal.Surely that's having manners!