I love this response because it shows that you are reflective and self-aware, which tbh, most guys seem to lack these days.

there's a difference between staying frugal and being thoughtful/intentional and I will say some of my best dates did not involve spending any money.

as for your biggest hurdle - if you don't go out out a lot and enjoy spending time by yourself - how do you expect people to meet/find/approach you? I'd suggest trying to engage in simple conversation in everyday life. And if you are a catch, I'm sure girls would be THRILLED that a good catch is engaging with them in a non-creepy way. ie - waiting in line at a coffee shop - I'm trying to decide between these two flavors, what is your favorite? At the park - that looks like an interesting book - how do you like it? etc etc. You don't need to introduce yourself formally HI I'm Tom - just organically enter the convo like you're already in it - trust me, this personally works wonders!

Good luck! :)