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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:
Rainbowstrike · 11/07/2025 13:26

They massaged themselves sexually???

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 13:31

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

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?

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.

SassyAquaBear · 11/07/2025 13:35

BetterWithPockets · 11/07/2025 09:14

Oh, I remember that thread! It was so heartening to read!

I used to be friends with someone who would openly ask how we were splitting the bill before ordering in a restaurant; if someone suggested dividing it evenly between us all, she’d order the most expensive things, and several courses; if we were each paying for our own food, she’d have the cheapest thing on the menu. She’s an ex friend now…

On the other hand, I have another friend who hates leaving a tip, for example, and will always haggle if she can — and she’d definitely call herself mean when it comes to things like that — but she’d never take at the expense of a friend and is also one of the most generous people I know in other ways…

I remember the work colleague thread as well. It was glorious. My favourite bit was when he said he 'wasn't going to take it any further'' 😂😂

Stef3 · 11/07/2025 13:39

Recently went out for a meal with a group of colleagues. One brought a few vouchers “for all of us” - I think it was a free meal over a certain spend, maybe about £20. It would have meant a few meals free so we’d split a smaller total amount between us all of course. The woman who brought the vouchers handed them out so it looked like she hadn’t brought them all. Anyway, when it came to payment time, one of them looked bemused when the waiter went to her and said “But my meal was free as I had a voucher.” 🙈

PapaPerspective · 11/07/2025 13:41

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

Great post. I fully agree it's deeply engrained in their characters.

OP posts:
MooDengOfThailand · 11/07/2025 13:42

Meanness is a disease.

mcmooberry · 11/07/2025 13:45

It's horrible and I couldn't be friends or have a relationship with someone like this " one of life's takers" is how I describe such people.

PapaPerspective · 11/07/2025 13:50

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

"Down to the last penny."
I would normally pay btw.

OP posts:
KimHwn · 11/07/2025 13:56

I get what you're saying and it is horrible to benefit from others when you're not willing to share yourself. But I don't think it's as simple as you say, either. I have to check myself all the time for stinginess, and it's a trauma reaction to becoming a single mother unexpectedly some years ago, and going from being financially comfortable to living below the poverty line. I was raised middle class and so had no experience of being poor, and my God, it was a shock to the system. I am very aware that I am always looking back to that period, where I couldn't put the heating on in winter and I couldn't afford fruit for the kids, and I'm thinking that I can NEVER go back to that again.

Not everyone was aware of my financial situation, and I think people that haven't been on the bones of there arse find it difficult to comprehend what it's really like. For example, I wouldn't have been able to go out and split the bill with my mates- One meal out for them would cost the same as a weekly food shop for me. I would absolutely dread having to chip in to class gifts for teachers. Poverty really cripples you socially. And none of my friends would have known I was poor during this time.

Thepeopleversuswork · 11/07/2025 13:57

@AgnesX

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

Totally. You have to take out of the equation people who are genuinely struggling, ie on benefits/minimum wage in which case fair enough. Excluding those, I think it's the difference is between careful planning and management vs penny-pinching at the expense of others.

And being able to recognise that sometimes you have to let things go as opposed to obsessively policing whether you get exactly your share. For example:

Being careful

Not getting a cab when you can easily get a bus
Bringing leftovers to work for lunch rather than eating bought sandwiches
Planning your spending and budgeting at the start of each month
Not buying clothes if it will take you into overdraft at the end of the month
Checking you're not overpaying on utilities
Not going out if you know it's going to be pricey

Being mean

Insisting on only paying for literally the exact items you ordered on the restaurant bill even though its roughly even
Buying food only for yourself in a family and not sharing with your children/spouse
Buying a round of drinks in a pub or a coffee shop and reminding someone the next time you see them that they owe you £20 or whatever it was
Insisting that everything you buy has to be discounted
Banging on and on endlessly about how much things cost. It's boring and no one else can do anything about it. If you really can't afford it just don't do it.

PapaPerspective · 11/07/2025 13:57

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!).

Absolutely agree@AngelicKaty You've expressed those sentiments a lot better than I did in the OP.

OP posts:
Livpool · 11/07/2025 14:01

Completely agree - tight people annoy me. They are always CF who are happy for you to spend your money on them

PapaPerspective · 11/07/2025 14:04

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.

@1457bloom It's funny you should say that, quite ironic. As this thread is full of examples of people not living within their means. The only difference is, they're at the other end of the spectrum to what you are referring to. They are comfortable but behave like they don't have 2 penny's to rub together. IMO that's not cutting their cloth accordingly.

OP posts:
BexAubs20 · 11/07/2025 14:04

I don’t know if I’d call it tight. I’d call it opportunistic. Piss taking. Relationship of convenience. Using someone. It’s up there with one of the worst traits anyone can have. Gives me the ick too

TorroFerney · 11/07/2025 14:13

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.

That’s not what is being described here. Living within your means would be not going out for the meal not Leeching off others when it comes to the bill or accepting drinks then not buying a round.

DiscoBob · 11/07/2025 14:35

I used to know someone like that. Their entire raison d'etre seemed to be to extract as much free stuff off others and never ever get his wallet out.

He presented himself as someone warm and friendly, but that was only to accumulate enough people he could sponge off before it became blatantly obvious.

He would literally order the most expensive thing on the menu during a group meal then just shrug or pretend he didn't hear when the bill came round.

Everyone being fairly decent was too embarrassed or didn't notice as it was a kind of drip feed. No one person felt he had wronged them enough to care type thing.

Like he snuck his way into various meals and drinks and then when we all got fed up with him, he moved onto creating a fake online persona to actually fully rip people off and extract money from them.

Vegemiteandhoneyontoast · 11/07/2025 14:40

Found the 'bill splitter karma' thread. It was glorious.

https://www.mumsnet.com/talk/mumsnet_classics/5041918-bill-splitter-karma

Payforyourowndinner · 11/07/2025 14:49

SassyAquaBear · 11/07/2025 13:35

I remember the work colleague thread as well. It was glorious. My favourite bit was when he said he 'wasn't going to take it any further'' 😂😂

Haha that was my thread!
Nothing to report now, all quiet in that dept! If he has tried to take advantage of anyone else I haven’t heard about it.
He hasn’t tried to take it any further… 😂😂

notahappycabbage · 11/07/2025 15:00

Payforyourowndinner · 11/07/2025 14:49

Haha that was my thread!
Nothing to report now, all quiet in that dept! If he has tried to take advantage of anyone else I haven’t heard about it.
He hasn’t tried to take it any further… 😂😂

I just read the entire thread, absolutely brilliant! 🤣

SassyAquaBear · 11/07/2025 15:05

Payforyourowndinner · 11/07/2025 14:49

Haha that was my thread!
Nothing to report now, all quiet in that dept! If he has tried to take advantage of anyone else I haven’t heard about it.
He hasn’t tried to take it any further… 😂😂

If anyone wants to read or revisit the thread it's 'bill splitter karma' in Mumsnet Classics.

I can picture the greedy git spluttering at the thought of paying for himself. So many wrongs 'righted' in one fell swoop.

'Take it further......''😂😂I almost wish he'd tried. Oh to be a fly on the wall as the HR team telepathically say 'WTF' to each other while outwardly remaining professional.

I'm going to read the thread again. It's inspirational, aspirational and a beacon of hope for those lost in the bill splitter trenches with a glutton.

anyzee · 11/07/2025 15:06

I've seen a lot of tightness from others in my life, the vast majority of whom are comfortable enough not to have to worry too much about the cost of a meal let's say. I've come to the conclusion that they suffer from severe insecurity and terror of losing what they have accumulated. Most of those I know who are very careful with their money (and can be embarrassing to be out with) etc. had very poor childhoods. Nothing new about that, but I get the feeling that they never ever want to go back there again, and consequently watch every penny, even though they don't have to.

It's the chancers that get me. I've called a few of them out when it wouldn't cause an absolute scene and I usually say something like "Ah come on Jane, let the moths out of your wallet today, give them a bit of fresh air" in a lighthearted way, and astonishingly it usually works. I wonder if they realise how they come across in a group, and maybe they are just very used to spending little on their own.

I realise it's not easy to call the spongers and tight arses out, but I've developed a few strategies by now. I won't split the bill with couple A and B because I know what they are like. I will split with couple C and D, they are sound. And so on. It's easy to say at the beginning of a meal, something like well, we will all get our own bills tonight, that OK with everyone? Most are relieved TBH. But someone has to say it!

Blackbirdsinthgarden · 11/07/2025 15:25

This is a great thread. Reminds me of the time when I started my first job at an FE College when I was 18. I soon made friends with a girl who was three years older than me and we used to lunch most days, either in the much subsidised refectory or had sandwich's brought from home, eaten in the staff room. She was newly married and lived, with her husband (a bit of a wastrel who never had a proper job) in a Council block of flats and I still lived at home (paying my parents the going rent).

She had a male friend (lab technician) - purely platonic, as she was married, and used to go for a drink with him on Fridays. She didn’t drink alcohol, so they had two drinks each, he drinks two pints and her drinking a soft drink. She alway bought him a pint when it was her round. Anyway, I was soon included in the little ‘gang’ and we still only had two drinks (me two half lagers and him two pints). He always bought the first round, and I bought the second, occasionally buying my friend a second soft drink if she wanted it (sometimes she didn’t). I wasn’t fussed about paying extra for his pints, but he was notoriously tight-fisted and kept tabs on everything he spent. He made a huge song and dance one day when I decided I wanted a glass of wine instead of lager! I just felt like wine that day!

My girlfriend and I used to have something to eat. It was a back street pub, near to the College, which catered for students and workmen and the food was really cheap (but really good) so we usually had a steak Canadian (remember those - they were all the rage at the time) with chips and salad. My male friend absolutely refused to buy anything to eat. Fair enough, his choice. He used to buy a block of budget cheese each week, and had his cheese sandwiches every day. He refused to eat anything different.

However, he used to ‘ogle’ our food and ‘stole’ chips off our plates on a regular basis, so it wasn’t as if he didn’t want to eat. In the end, we had to tell him to order a portion of chips himself (which he refused to do) and had to tell him, if that was the case, then he should leave ours alone. He wasn’t a happy chappy!

We were all on the same Local Government pay scale, although I was on less,as I was younger and further down the scale, and he wasn’t struggling for money. He also lived in Council flat, but unlike my other friend, who had to pay the rent and bills herself (as her husband was feckless) he had a flatmate to share the rent.

In the end, my friend moved jobs, and although we continued to meet up some lunchtimes, we ditched him, as his stinginess was becoming annoying. He eventually married one of the College Lecturers, who was on a much higher salary than he was. He also sold his scooter and was seen driving a brand new car (presumably paid for by his wife) and then left the College too. The last I heard was that he was divorced and had received quite a bit of equity in his ex-wife’s house, and was living in a nice house, presumably partly bought from the divorcé proceedings and the large amount of savings he managed to build up. So he did quite well.

My friend also divorced her worthless husband, but we still meet up sometimes and laugh about all the free pints he got off us! His stinginess is probably the reason he’s now divorced. I felt a bit sorry for the woman he married, as she lost quite a bit of her assets when they divorced. I still wonder if he still eats his ‘cheese butties’ from a value block very day. Probably not!