First, what is a disery -- do you mean a miser perhaps. And instead of moneythrift, do you mean spendthrift? I'd recommend first using a dictionary to be sure you are using the correct terms.
Second, writing dialogue is not as hard as you're letting it seem. You have dialogue all the time -- it's called talking. If you honestly cannot think of what your characters are going to say to one another, you need to go take a break and go somewhere out in public. Sit somewhere in the middle of a crowd for one to two hours and just listen to people talking. Then, go home and write down some of the things you heard people saying. That's dialogue.
When you need to have your characters talk, just pretend it's you and a friend (or several friends), and have them say something you'd probably say in the same situation. Then imagine what your friends would say in reply, and go back and forth that way. As you become a better writer, your characters themselves will "tell" you what they want to say, because they become like real people to you.
spendthrift
Miser!
Profligate, spendthrift, philanthropist.
The opposites of spendthrift are frugal and miser.
is it better to be a spendthrift or to be a miser
The opposite would be being happy, content, comfortable, fortunate, or satisfied.
A spendthrift or miser
A spendthrift or miser
A miser or scrooge Penny Pincher Spendthrift
A spendthrift saves by accumulating wealth through careful management and prudent spending, prioritizing long-term financial stability. In contrast, a miser tends to hoard money and resources, often to an extreme, and may spend only when absolutely necessary, leading to a lifestyle of frugality that can hinder enjoyment of life. Essentially, the spendthrift focuses on saving for the future while the miser often restricts their spending out of fear of losing wealth.
An old miser usually refers to a rich person or man that is stingy with their money. Scrooge would be an example of an old miser.
economies is a person who studying knowledgeabout miser while miser is a person which he don't went his money.