We all know it's a shaming tactic people use on others who they want to spend money.

Have you ever been called cheap?

Here's where I'm confused: I've heard it myself because I am frugal and refuse to spend money just to impress someone.

They freely use that word, yet, they don't pay a mortgage/rent, or any major bills, and can't comprehend why, after those priorities have been paid, someone isn't so quick to spend lavishly with what's remaining.

Have you encountered this before?