We were out shopping and Claire wanted to buy a frame for her school teacher. She had one all picked out and a little while later told me that she wanted to save her money and not buy the frame.
Claire: I think I'm kind of a twy-wad (rhymes with sad).
Me: A what?
Claire: A twy-wad. I read it in one of my books. It's a person who doesn't like to spend money.