日本で英語を上達させる

The last native class's topic was "stingy". So I decided to writing about the habit of which I want to get rid.
When I was a child I felt my family were poverty. I often saw my parents had quarrels about money with our parents. So I felt guilty to spend money and saving money was important.
A lot of influence in my childhood made my gloomy personality.
I wonder what is difference between "stingy" and "saver".
I want to called a "saver" in stead of "stingy". It is positive to save the money. I always hold my bottle of drinks whenever I may go out. I often cook some food by myself and I seldom go out to eat restaurant. These are very useful for my health. In stead of using a car or getting a train, I ride on a bicycle. It is my exercise time.