penny-pinching

(noun) extreme care in spending money; reluctance to spend money unnecessarily. Synonyms: parsimony, parsimoniousness, thrift.

(verb) spend money frugally; spend as little as possible. Synonyms: penny-pinch, nickel-and-dime.

(adj) giving or spending with reluctance. Synonyms: cheeseparing, close, near, skinny. Examples: "Our cheeseparing administration." "Very close (or near) with his money." "A penny-pinching miserly old man."