What word or phrase does your mother always say?
"parsimonious person," 1900, from tight in the sense of "close-fisted" (1805) + wad (n.). The notions of stringency and avarice also combine in Modern Greek sphiktos "greedy," literally "tight."
A penniless or financially grim condition; the SHORTS: No go. Everyone's got the tights (1970s+)