niggardly coinage

The act of being short on money, or being in a tight financial situation that generally could have been avoided by being financially adept. Further, it can also be used when one has little to no liquid funds due to being jumped, a by-product of living in the hood.

Friend: you owe me 5 bucks

You: I've got some niggardly coinage I'll pay you when I don't

Girlfriend: You only got me a ring pop for valentines day?

You: I got some niggardly coinage deal with it ho