Scotch, cagey, calculating, canny, careful, cheeseparing, circumspect, conserving, considerate, constrained, discreet, disinclined, distrustful, economic, economical, economizing, forehanded, frugal, gingerly, guarded, hesitant, inhibited, labor-saving, leery, loath, mistrustful, money-saving, parsimonious, penny-wise, provident, prudent, prudential, reluctant, restrained, safe, saving, scrimping, shy, skimping, spare, sparing, suspecting, suspicious, thrifty, time-saving, unwasteful, wary