彼(かの)女(じょ) kanojoは waけち kechiと to言(い)わ()な()い() iwanaiまでも mademo倹(けん)約(やく)家(か) kenyakukaだ da。 If she's not exactly stingy, she's certainly thrifty. criticismfrugalitypersonalityquotative と~と言わないまでも (if not exactly X)~家 (suffix: -ist, person who)
彼(かの)女(じょ) kanojoは waけち kechiとは toha言(い)わ()な()い() iwanaiまでも mademo、とても totemoつましい tsumashii。 I wouldn't quite call her stingy, but she's very thrifty. frugalitypersonalityquotative と~と言わないまでも (if not exactly X)とは (quotative + contrastive)