frugal nature; penny-pinching disposition
Describes a person's ingrained tendency to be stingy or overly thrifty, often beyond what is necessary. Can be used self-deprecatingly or critically.
He's so frugal by nature that he even keeps things he doesn't use.
Because of my penny-pinching disposition, I can't help buying too much when there's a sale.
worrier's disposition; tendency to fret over trifles
Refers to a personality that worries excessively about small, often insignificant matters. Less common than the frugality sense.
She has a worrier's disposition and frets over even the smallest things.