Like Greedy (q.v.), except that you are more concerned with holding on to what you have. You may be both greedy and miserly! You must make a roll vs. IQ any time you are called on to spend money, and you must always hunt for the best deal possible. If the expenditure is large, the IQ roll may be at a -5 (or even greater) penalty. A failed roll means that you will refuse to spend the money - or, if the money absolutely must be spent, you should haggle and complain intermin-ably.