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What is the meaning of "a cheapskate" idiom?

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Idiom Definition:

"to be a cheapskate"
to be so careful with spending your money that you are miserly
avaricious, beggarly, churlish, close, close-fisted, covetous, grasping, ignoble, money, parsimonious, penny-pinching, penurious, skinflint, spend, spending, tight, tight-fisted, ungenerous
This is, quite literally, a cheap skate. - - - - ->  a picture of an ice hockey skate with sale tags attached that read; 90% off, marked down, one skate, sale

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Idiom Conjugations:

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Gerund Form of the Idiom:

Being a cheapskate might not impress your friends when you never pay for the lunch.
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Idiom Usage:

There can be a certain sense of negativity with this idiom.
In the imperative:
"Don't be a cheapskate!"
Being a cheapskate usually refers to the reluctance to spend or give money.
Being a cheapskate can refer to the reluctance to give or share your time or possessions.

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Idiom Scenario 2:

There is a fabulous art exhibit at the art gallery today.  There will be a famous guest lecturer for today only.  The price of admission today is $12.00.  The price of admission tomorrow will be only $10.00.  You really want to see the guest lecturer but it will cost $2.00 more.
If you are a cheapskate, will you go to the art gallery today or tomorrow?

Idiom Scenario 3:

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Idiom Scenario 1:

A group of friends are out at a reasonably priced restaurant.  They often meet at this restaurant on Saturday's.  Each Saturday a different friend pays for the lunch.  They all take turns paying except for Bill.  Bill always has some excuse to not pay.  He has forgotten his wallet.  He is broke.  He made a double payment on his house mortgage.  Bill always finds some way not to pay.
Would you say that Bill is a cheapskate?

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