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Niggardly
Negative Connotation
The term 'niggardly' often carries a negative judgment about someone's behavior, beyond just being careful with money. 
Rarely Positive
'Niggardly' is rarely used in a positive context, as it implies a fault or deficiency in generosity. 
Cultural Sensitivity
Be careful as 'niggardly' may be mistaken for an offensive term due to phonetic similarity; context is crucial. 