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In conversation, 精打细算 (jīng dǎ xì suàn) is typically used to describe someone who is very careful and meticulous with their money. It can be used to praise someone for being frugal and wise with their spending, or it can be used to criticize someone for being overly stingy or cheap.
For example, if someone is known for always finding the best deals and saving money, you might say "他真是个精打细算的人" (tā zhēn shì gè jīng dǎ xì suàn de rén) which means "He is really someone who pinches pennies and is shrewd in money matters."
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