Dealing with situations like this requires sensitivity and patience, and here are some communication skills that may be useful:
Understand her point of view: First of all, we must understand why she spends money indiscriminately. It may be due to emotions, Xi, or other stress. Listen to her point of view and try to understand her feelings.
Ask questions gently: Ask questions gently, non-accusatorily and make her aware of the impact that spending money can have on your future, rather than blaming or blaming her.
Develop a budget and plan: Create a budget and plan together to make her understand that limited funds need to be planned wisely. Spend priorities and limits can be discussed together, as well as how to manage spending more effectively.
Solve problems together: Work with her to find a solution to your problem. Advice can be given or discussed together on how to better control your spending and how to spend it wisely.
Express concern and support: It's important to show that you care about and support her, not just about the overhead. Make her feel supported by you and your determination to solve problems together.
Ask for help: If the problem is more severe, consider seeking professional financial advice or emotional counselling, which may help resolve the issue.
It is important to communicate in a way that respects the other person's feelings and boundaries, and approaches the problem in a cooperative and problem-solving manner.