"nip-cheese" is a slang word for someone who is very frugal or stingy, especially when it comes to spending money. There are many synonyms that can be used instead of "nip-cheese" to convey the same meaning. Some examples of synonyms for "nip-cheese" are miser, tightwad, cheapskate, penny-pincher, skinflint, scrooge, and tight-fisted. All of these words describe a person who is excessively thrifty or unwilling to spend money, often to the point of being considered selfish. Regardless of the word used, "nip-cheese" or any of its synonyms, it is never pleasant to be described as a person who is unwilling to share or spend their money for the good of others.