Good words and sentences to describe people's meanness

First of all, you should learn to refuse to lend money to others. Every time someone asks you for money, you have to say "I have no money" or "I have been short of money recently". Then you are stingy with your family, but you can't go too far. Finally, you are mean to yourself. When you see things you want to eat, buy, wear and use, you will resolutely try not to spend your own money or simply stay away from them. I suggest the latter. ...

I heard that some people are very stingy. They borrow their cigarettes completely and don't spend a penny on cigarettes ... but of course their popularity is naturally poor.