What do you call a person who spends extremely little money, and is careful in spending each and every dollar? Note, I'm not saying he has little money. He spends very, very little money, but he has lots more money than he spends. For example, he can easily afford to have a $25 dinner, but he never spends more than $8 for dinner. He can afford to buy a shirt for $30, but he has never bought a shirt for more than $10. What do you call this person? What are all the different words available? I'm looking for a word that's kind of insulting also. The word should also insult the person's behavior.
There are quite a few words that can be insulting about someone who doesn't like to spend money.
A miser is
a mean grasping person; especially : one who is extremely stingy with money
"stingy" is also kind of insulting, as it describes someone who is "not generous",
not liking or wanting to give or spend money
A scrooge is someone who is a miser and stingy:
her father is a real scrooge and refuses to pay her way through college, even though he can easily afford it
This word comes from the Charles Dickens story A Christmas Carol - Ebenezer Scrooge is a rich but very mean man who makes his employees work long hours for little pay.
Here's a picture of someone in the role of Mr Scrooge:
A "tightwad" and a "cheapskate" are also people who don't like to spend money. These words are a bit less negative, though: the person may not like to share or help others, but they are not as mean as a miser or a scrooge.
"cheap" is another good word. It is also used for things of poor quality, so it suggests a person of low morals or class who is also stingy.
If you mean this in a positive way, use Damkerng T's words: frugal, thrifty, economical.
If you mean it in a negative way, use nxx's words: miserly, cheap, cheapskate, tightwad.
There's also "niggardly", but this seems to be falling out of use due to its unfortunate coincidental resemblance to a well-known racial slur.