Here's a few options: Tight -- this is slang, and offensive to strangers unless said tongue-in-cheek. Scrooge -- this is a literary reference, and is funny, but offensive if taken the wrong way. Frugal -- this is posh, and inoffensive - it's even complimentary.

Frugal or cheapskate

A common term for someone who doesn't like to spend money, even when they have plenty, is "stingy." Other similar words include "miser" or "tight-fisted."

A common term for someone who has plenty of money but doesn't like to spend it is "miser". A miser is someone who hoards their wealth and is extremely reluctant to spend it, even when they can easily afford to. Other informal terms include: "Cheapskate": Someone who is unwilling to spend money, often perceived as stingy. "Penny-pincher": Someone who tries to spend as little money as possible. "Scrooge": This comes from the character Ebenezer Scrooge in Charles Dickens' A Christmas Carol, and it describes someone who is very frugal or stingy with their wealth. These terms generally carry a negative connotation, implying that the person is excessively frugal or selfish with their money.

A tightwad. Penny pincher.