I'm cheap
You don't like to spend money
I like to grow things from seeds at home because I am cheap.
It doesn't mean that we're purchasing, Michelle. A product can be cheap, but also a person can be cheap, too. And this simply means that you don't like to spend money. Michelle doesn't want to spend money on buying expensive plants. She knows that she can try it herself and save money. I would say that it's best to not call someone else cheap. If you say you're cheap, it kind of implies that they're stingy. They're kind of rude and don't want to spend money on necessary things. But really, you can call yourself cheap and it's totally fine. I think that goes for a lot of kind of rude things. You can call yourself that, but you shouldn't call someone else cheap.
If you want a little bonus expression for how we can talk about someone not wanting to spend money but in a nice way, you can use the word Frugal. He's frugal.
---He is very careful with his money. ---The nuance is that it's positive.
frugal /'fruːgl/ adjective
★ using only as much money or food as is necessary
・a frugal existence/life
・The monks lead a frugal existence in their isolated monastery.
・He has always been hard-working and frugal.
・a frugal Methodist background
OPPOSITE extravagant
★ (of meals) small, plain and not costing very much
SYNONYM meagre
・a frugal lunch of bread and chease