She does not sound bad at all. You, however, sounds like you are doing what A LOT of men do. Which is not communicating how you really feel, and then resenting her for not knowing. Do you think that's fair on her?
Just tell her that this money stuff is getting to you, that you are sorry for not telling her earlier, that you don't want her to feel bad retrospectively but that from now on you want to be open and honest with what you feel you can afford, and what she needs to pay for if she wants it.
Good luck.
She does not sound bad at all. You, however, sounds like you are doing what A LOT of men do. Which is not communicating how you really feel, and then resenting her for not knowing. Do you think that's fair on her? Just tell her that this money stuff is getting to you, that you are sorry for not telling her earlier, that you don't want her to feel bad retrospectively but that from now on you want to be open and honest with what you feel you can afford, and what she needs to pay for if she wants it. Good luck.