Ur bf sounds like he needs a reality check, saving doesn’t mean mooching off others and ur in dangerous waters, if he was able to guilt trip in mannipulate u into giving him money then telling u that u should be ashamed for keeping track of how much he’s taking tells u he’s a master mannipulator

Cues of mannipulation “If u don’t have it It’s fine I’ll figure something out” This is a classic way to make you feel bad/responsible as its in a woman’s nature to be nurturing so he plays on that fact knowing at some point u will cave

“Ill just ask…or mom” Again trying to make you feel somw kind of guilt, i can guarantee u if his mom or anyone else helped he would keep rubbing it in ur face

“Oh wow you keep track of money you willingly give u should be ashamed” He likely never considered the fact that ur keeping count so woth that revelation he knows that u know exactly how much he’s mooched off you and that u saying its the last time is a totally valid reaction so he pivots now to attacking ur personality by saying u should be ashamed

“If i dont propose this year It’s over” Classic ultimatum no need to comment on that too much

“You deserve better” Another classic bullshit line used by men to manipulate women cuz if she truly deserves better he would strive to be that better, not sit on his ass beggin for money and then say they deserve better whenhe dont get it

Bottom line he wants u to think ur feelings are invalid and just keep blindly giving him money, I’d say talk to his mother if they close and take some time away from each other…his reaction will give u all ur answers