then i shan't claim to be dickensian. perhaps i'm not even a real miser. i never deny myself something i need- like- not having enough food. i just like to delay gratification on stuff like that.

money i save- that goes in the bank. i don't have a dungheap! your scroogian miser seems like he trusts nobody at all. well, you know what they say. miserliness is next to miserableness!