Miserliness is a relative term. If one pays all of his monetary dues according to Islam, and at the same time he leads a very simple life, then this is a case of simple of living and not a case of miserliness. But, if one fails to pay his monetary dues and at the same times he lives as a miser, then this kind of behaviour is unwanted in Islam. It is selfishness, and selfishness, according to Islam, is an evil behaviour.