The most common and most likely answer to this crossword clue is the 5 letter word MISER
I've seen this crossword clue in The Times
M
I
S
E
R
More clues leading to the result MISER
- Male is having hesitation — he doesn't like spending money
- In tearoom, I served penny-pincher
- Money-hoarder's endless wretchedness
- Endless wretchedness for Scrooge
- Endless unhappiness for one who’d give nothing?
- Meanie in firm is erratic …
- One like Harpagon, in intense discomfort, endlessly
- Man has no time for hunks
- Economise ruthlessly embodying Scrooge-like character
- Tightwad — or man giving tons away?
Buddy explains!

The straight part
We know that "Money-hoarder" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case money-hoarder = miser.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does MISER mean?
MISER noun- A person who hoards money rather than spending it; one who is cheap or extremely parsimonious.
- A kind of earth auger, typically large-bored and often hand-operated.