Professional Cheapskate

Cheapskate: “a person unwilling to give or spend money; stingy person.”
Frugal: “not wasteful; not spending freely or unnecessarily; thrifty; economical.”
“A cheapskate is someone who takes frugality to the extreme. Instead of trying to make the most of his or her resources, the cheapskate refuses to spend money at all…” (Love-to-know)

To you, cheapskate may be an insult. To the Professional Cheapskate, it’s a badge of honour, particularly when applied to utilities, toys (computers, software and phones), financial products… …