There are quite a few words that can be insulting about someone who doesn't like to spend money.
A miser is
a mean grasping person; especially : one who is extremely stingy
with money
"stingy" is also kind of insulting, as it describes someone who is "not generous",
not liking or wanting to give or spend money
A scrooge is someone who is a miser and stingy:
her father is a real scrooge and refuses to pay her way through
college, even though he can easily afford it
This word comes from the Charles Dickens story A Christmas Carol - Ebenezer Scrooge is a rich but very mean man who makes his employees work long hours for little pay.
Here's a picture of someone in the role of Mr Scrooge:
A "tightwad" and a "cheapskate" are also people who don't like to spend money. These words are a bit less negative, though: the person may not like to share or help others, but they are not as mean as a miser or a scrooge.
"cheap" is another good word. It is also used for things of poor quality, so it suggests a person of low morals or class who is also stingy.
There are many words, which emphasize different meaning. Some are negative.
Pleasure aspect of doing whatever you want: bon vivant, hedonist, pleasure seeker.
Going wherever you want, possibly new places (metaphorically too): globetrotter, explorer, pioneer.
Free thought, defiance: maverick, liberal, free thinker, nonconformist.
Disregard for traditional social structures: bohemian, hippie, beatnik.
Disregard for manner and social grace: boor, barbarian, brute, philistine.
Ambition: doer, achiever.
Disregard for law: criminal, outlaw, gangster, robber, lawbreaker, desperado, etc.
Acting in self-interest without regard for trust: back-stabber, snitch, cheater, two-timer.
Acting in self-interest without regard for others: egoist, narcissist.
Best Answer
The closest word that I can think of is masochist.
Generally speaking, a masochist gets some kind of pleasure from experiencing pain.