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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:
Bobnobob · 11/07/2025 11:41

Aspanielstolemysanity · 11/07/2025 08:10

DSC mum has spent DSC whole childhood gleefully gloating to me that she doesn't need to spend any money on the children because me and DH take them to the cinema/on day trips/ on holiday.

She spends her weeks with them sat at home and thinks she's winning because she hasn't spent any money.

They've tried to tell her that they want to have adventures with her too. We have tried to tell her that. But she thinks she's winning because she isn't spending money.

This is really sad.

Thepeopleversuswork · 11/07/2025 11:56

I think also people can become utterly obsessional about avoiding waste to the point where it becomes a ridiculous neurosis.

Avoiding waste in general is a good principle and a good trait. But I have a friend who takes it it to absurd levels: she will eat food way past its sell-by and scrape meals together which involve assembling small batches of leftovers from various Tupperwares to avoid having to open new packs.

I can understand making sure you don't waste a whole meal. I could also understand if she was on a very low income. I think insisting on people using a piece of chicken that's been in the fridge for a week and scraping a handful of extra peas onto it and refusing to make anything new until that's been used up is taking things too far. It isn't as if that food is going to have any better use than going in the bin. Just eat something new.

OhGodImBloated · 11/07/2025 11:58

I have a couple of friends like this. I think they think they’re being clever or that others don’t notice. I find them both mean spirited and it’s a trait once seen you see it everywhere with them.

For example, a couple of us meet with one of these friends for a drink every now and then and have a good chat. No booze cos we’re all driving. Me or friend buy drink 1 as a round, then me or friend buy drink 2 as a round, when it’s the stingy friends turn it’s suddenly time to head off. Every time we meet.

The other stingy friend and I have lunch now and then and I’ve paid a couple of times recently - it was close to her birthday so I just said oh I’ll get it, and another time there was a reason too, this is £15/20 pub grub and a wine… then she bought me a sausage roll to repay the favour! We’d normally split the bill and she’ll always benefit a pound or two this way as well and never leave a tip when I generally do. So it’s not like she’s saying oh no my meal cost more so I’ll put the extra £2 in. She just smiles and says sure. Every group holiday she gets there first to bagsy the best room and will control elements of the budget that mean we all round up and don’t quibble and she quietly benefits.

I don’t have the energy to care as it’s only a few quid here and there and I like their company generally speaking. I think it must be meeting some need in them but I really dislike this trait.

MrsSunshine2b · 11/07/2025 12:05

YANBU, it's a very unattractive trait. We did have to have a word with one friend who is extremely "frugal" about it, and it was one of the most awkward conversations of my life. He has improved slightly since then, in terms of trying to at least bring a contribution when he comes to dinner etc., but he still won't buy furniture for his own house.

And he's inherited a very large amount of money, is unmarried with no kids and is mortgage free. I have no idea what he thinks he's going to do with his money if not spend it now.

AddictAlice · 11/07/2025 12:09

AutumnLover1989 · 11/07/2025 09:39

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 🙄

Or perhaps they really don't have much. It must cost the earth to run three houses. However, they are CFs because it isn't up to any of us to subsidise their lifestyle choice.

JudgeJ · 11/07/2025 12:10

whitewineandsun · 11/07/2025 08:46

This! It's so embarrassing.

I'd be embarrassed to need a calculator to divide a simple bill by 2!

JudgeJ · 11/07/2025 12:12

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.

Why do you regularly have him to stay? Once would should have told you what he's like!

SprayWhiteDung · 11/07/2025 12:13

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!

I've also heard of people who make out that they 'have no money' when it's time to pay for something, so that somebody else will take pity and pay for them; but then it turns out that they did have money, but didn't want to break a large note - even if it's, say, a £20 note and they spent £16.50!

user1476613140 · 11/07/2025 12:13

Those who are wealthy tend to be tight fisted (that's why they're wealthy I suppose) and those who are poor tend to share what they have. Completely different mentality.

Finteq · 11/07/2025 12:15

Aspanielstolemysanity · 11/07/2025 08:10

DSC mum has spent DSC whole childhood gleefully gloating to me that she doesn't need to spend any money on the children because me and DH take them to the cinema/on day trips/ on holiday.

She spends her weeks with them sat at home and thinks she's winning because she hasn't spent any money.

They've tried to tell her that they want to have adventures with her too. We have tried to tell her that. But she thinks she's winning because she isn't spending money.

That sounds so sad.

At least the kids get to go out with you guys.

Finteq · 11/07/2025 12:16

As long as you differentiate between being frugal and grifting YANBU.

Finteq · 11/07/2025 12:17

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!

They have cash because they aren't spending it

SouthLondonMum22 · 11/07/2025 12:17

It's definitely subjective.

I don't think it's stingy or tight to simply want to pay for your own food and drinks at a restaurant as long as you make it clear before you go.

SprayWhiteDung · 11/07/2025 12:18

ForeverDelayedEpiphany · 11/07/2025 09:51

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...

To be fair, buying cheaper tyres isn't necessarily a safety compromise, as they all have to meet the same stringent standards before they're legally allowed to be sold in the UK.

Buying second-hand/'retreads' would very much be the mean and dangerous option.

It may be that the expensive branded tyres exceed the required safety standards somewhat, but very often, you are just paying for the brand name, rather than for any noticeable safety or performance improvement - if it's just a standard car that's used for mundane trips.

Dutchhouse14 · 11/07/2025 12:19

I knew a couple where DH refused to get a second car, he was obsessed with paying off their mortgage as early as possible, watched every penny. The issue was they lived rurally with no public transport and couldn't manage with just one car, so his wife was always (admittedly apologetically) asking for lifts their DC to clubs, sports activities,
parties, sleepovers, school events etc and I mean pretty much on a daily basis.
They are now mortgage free the rest of us aren't.
We gave lifts for her and her kids really but honestly his attitude used to make my blood boil

JudgeJ · 11/07/2025 12:20

He has grandchildren and has been known to find an old toy in the house and give it to them on a birthday/Christmas.

Sounds like Nancy Reagan who once gave their grandchild a teddy for Christmas that s/he had left behind on an earlier visit!

Finteq · 11/07/2025 12:21

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.

Agree.

Again the difference between frugal and being a grifter.

No harm in being smart about spends.

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.

Finteq · 11/07/2025 12:25

Thepeopleversuswork · 11/07/2025 08:48

But no one acquires three houses because they've nickel and dimed their mates over the cost of a restaurant bill. That's not how it works.

You have to speculate to accumulate, as they say. You don't make money by being tight and managing every penny, you make money by investing and occasionally taking (manageable) risks.

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.

JudgeJ · 11/07/2025 12:26

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. 🤯

My late mother worked in a confectionery shop, there wasn't a penny of staff discount if they bought some groceries there and it wasn't a cheap shop. One Christmas Eve as usual she expected the staff to stay until people stopped coming in, no early closing. My mother had put to one side a dozen mince pies that she would pay for when she was paid, a customer rushed in at almost 8.30 pm, Oh Have you any mince pies left, I'm desperate, the owner told my mother to sell her those she'd put to one side! The following year I went in late afternoon and asked Mum what she needed me to pay for and take home 'so you're not left making mince pies at midnight'. The owner didn't look pleased.

Bluntedscissors · 11/07/2025 12:28

@thedevilyouknownI don’t consider that stingy.

Finteq · 11/07/2025 12:29

ShoeeMcfee · 11/07/2025 08:58

Is that programme 'extreme coupons' or something like that, still on tv? It used to feature very proud people who showed you how they saved coupons and got loads of money off things at the supermarket. God it was depressing. One woman fed her friend cat food sandwiches and told the friend it was tuna. She was delighted with herself for doing so.

😱

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.

AliceMcK · 11/07/2025 12:29

I remember back in the 90s I had a paper round. Mine was in a rough area, my mates was in a posh, affluent area. At Christmas time, I was absolutely bowled over with the generosity of people that didn't have much much. That warm feeling, it kind of stayed with me.

As someone who grew up in an are like this I 100% agree with this. The people I grew up with had nothing but what they did have was yours if you needed it more. I remember catching up with my cousins one night mum worked in a pub at night dad not on the scene. They had been hanging around and really hungry, it turned out mum had given them a pound to buy some chips between them, but they were more worried about some younger kids that lived on there street that were worse off so they bought chips for these kids and went hungry themselves, This sums up a lot of “rough” or poor people.

i have lived in many places and have known lots of different people, it’s the ones with less that will always be there and give you anything you need.

Pedallleur · 11/07/2025 12:31

All these CFs taking advantage. you have to call them out. Some of them seem to make a living from it.