OP, I think it is fairly obvious you and your husband have different ideas on financial issues and I suggest having an open discussion with him. Maybe suggest for every pair of shoes you buy, you will put a equal amount of money into a savings account? Maybe he feels he is the only one prepared for a rainy day or an emergency. I think some sort of compromise needs to be met.
'People are never perfect but love can be. People waste time looking for the perfect lover rather than creating the perfect love' - Princess Leigh-Cheri from Still Life With Woodpecker.