Is she being cheap or just frugal?

My wife is notoriously known for being the type of person who likes to save, and I don't think that's bad either. But hear me out. Here are some things that made me think that she is actually being cheap and not just frugal:

1. She's been having back problems for months. And I have been asking her to get an x-ray. All those times, she refuses to go because "it'll cost money".
2. We don't usually eat out, but when we do, she is very careful on where we should eat. She thinks $10/person is expensive.
3. We have 2 separate accounts for our salary (which I initiated because I was told it will help our situation). However, what she said was, "Okay, your account will purely be savings. Don't touch anything there. All our expenses will come from mine." Which I think defeats the purpose since the reason I suggested that is so I'll have the independence to use my own money.
4. I always need her "permission" whenever I buy something, even if it's as personal as a shaving cream. I have to go through all the talks like "do you really need it" and shit before we could get it.
5. We went to a casino and he had .95 left, and she wanted to cash it out. She said she would give .5 so the cashier could give her $1 because she could use a dollar, apparently.
6. She thinks that she's being responsible for her money (or our money) by computing every little dollar that we spend. And that honestly makes me feel uncomfortable.

PS We're both making good enough money to sustain us. We live comfortably, and I know we can travel if we want to. We're not in debt or anything too.

What do you all think?

I honestly would want her to go through counseling, but she said she doesn't need it because she is only doing what is right.

TL;DR I think my wife has some underspending habits that needs to be addressed. And they've been the cause of my frustrations lately. I honestly think she needs counseling, but she says she is just being responsible. What do you think?

Submitted January 06, 2021 at 03:54PM by backoffkron https://ift.tt/39orGIP