does he seem admirably frugal and practical or penny pinching and obsessively tight?
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Franklin is admirably frugal.
From the text:
I drest plainly; I was seen at no places of idle diversion. I never went out a fishing or shooting; a book, indeed, sometimes debauch’d me from my work, but that was seldom, snug, and gave no scandal; and, to show that I was not above my business, I sometimes brought home the paper I purchas’d at the stores thro’ the streets on a wheel-barrow. Thus being esteem’d an industrious, thriving young man, and paying duly for what I bought, the merchants who imported stationery solicited my custom; others proposed supplying me with books, and I went on swimmingly.
The Autobiography of Benjamin Franklin