You're an oatcake
Like an oatcake, you don't like to go overboard on anything unnecessary. Though you can be trusted not to crumble, you probably wouldn't be described as fancy and free! You like to hold on to your money and get a lump in your stomach at the prospect of spending, especially spending big. It's great that you're careful with your money, but remember to allow yourself a little fun once in a while – there's room in every budget for leisure too. So put down the oatcake and grab a bourbon, you wild thing.
I want to see what other biscuits I could be - let me look!