tightfisted

This term carries a strong negative connotation, suggesting a level of stinginess that is perceived as greedy or unkind. It describes a personality trait where the desire to hoard wealth outweighs social obligations or generosity, often evoking an image of someone physically gripping their money too tightly to let it go.

While similar to "frugal" or "thrifty," those words imply a positive or prudent management of resources. Tightfisted specifically targets the lack of generosity, making it an accusatory term rather than a complimentary one.