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Penurious

usgb/pəˈnʊriəs/Volume
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Not Necessarily Poor

It implies a chosen frugality rather than imposed poverty.

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Despite her wealth, she maintains a penurious way of living.
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Subjective Lifestyle

'Penurious lifestyle' suggests subjective assessment of someone's spending habits.

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They considered him penurious, but he simply valued different things.
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Negative Connotation

May convey a negative judgment about someone's spending habits.

Illustration for Negative Connotation
His penurious tendencies make him an unfrequent diner at fancy restaurants.
Visual representation of the word "Penurious"

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