I need some advice. I have been dating my boyfriend for nearly 4 months now. He has been separated for a year and has 2 young DC. He is settling into co-parenting with his XDW and I think he is still settling into a financial routine. He has been dropping hints that he needs to be more sensible with his money, mainly referring to the costs relating to our relationship. For context, we haven’t done anything what I would consider lavish since we got together. We’ve been on a couple of day trips out and about near-by and eaten out a handful on times – all of which we take turns in paying for. I am currently separated myself and am living with my parents whilst my marital home is sold so I can buy my own place, so I commute to his which is a good 50 mins away and costs me about £60 per month in fuel. I am conscious that I always stay at his, so I share the cooking and cleaning whilst I’m there to ensure I’m not using his place like a hotel as well as splitting the cost of food and drink whilst there. I wouldn’t mind, but I’m not sure what else we can cut back on tbh. He is going on a lads holiday in August which was booked before we started dating and he keeps buying himself frivolous items. These in themselves aren’t a bother to me as he is free to do as he wishes with his money, but I feel it’s a bit off to then drop passive hints how he needs to start being more sensible with money when we go out for a coffee. I’m not certain how to approach this subject with him without sounding materialistic. Any advice would be welcome.