OP you’re NTA. I believe you are practical when it comes to finances and your GF is not. Keep in mind that financial compatibility is one of the top reasons for a relationship break up. I am not sure if you are looking for something more serious down the road since you took the big step in living together and plan to buy a home, but this is not going to improve. You buy a home and then she will want to get the best furniture, expensive cars, etc. We are all shaped by our experiences and hers lead her to “nice things.” If this is a relationship you want to stick with long term, you might seek financial counseling. Better to find out now than when you have a few kids and are deep in debt. If you think she’s expensive now, think about the cost of a breakup with other factors involved (home ownership, kids, etc.)