shrewd

If you are shrewd in your spending, you can make a small salary go a long way. Use the adjective shrewd to describe a person or thing that is smart or clever in a practical sort of way.

The word shrewd is from a Middle English adjective formed from the noun schrewe, "an evil person, a villain." This Middle English noun is an earlier form of our modern English word shrew. So shrewd and shrew are related to each other. Shrewd doesn't usually have a disapproving or negative tone, but shrew certainly does.

Definitions of shrewd
  1. adjective
    marked by practical hardheaded intelligence
    “he was too shrewd to go along with them on a road that could lead only to their overthrow”
    synonyms: astute, savvy, sharp
    smart
    showing mental alertness and calculation and resourcefulness
  2. adjective
    used of persons
    synonyms: calculating, calculative, conniving, scheming
    hard
    dispassionate
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