To me, it sounds like your DH is not very good with money, but he is worried about money - is he in debt? Sounds very typical of a burying his head in the sand kind of attitude.
Since you are working less, I wonder if it would help to offer to take charge of the family finances. Would you feel confident in doing that? Using some tool like the free MSE budget planner: https://www.moneysavingexpert.com/banking/budget-planning/
Or a paid service like YNAB, but having access to all his account info so you can keep an eye on things. That is helpful because you can then quantify things like not necessarily needing a £500 phone and if he wants to get a takeaway you can look at the takeaway budget for the month and check whether it's affordable.
I think my DH can be a bit like this (though he wouldn't comment on ketchup use and he wouldn't talk me out of going to a hotel) - he feels like he earns enough that we "should" be able to do nice things and sometimes when he's in that mood he'll spend as though he has magic pockets. Then other times, he gets worried about money and starts talking about ways to reduce costs and drastic lifestyle changes, then he barely ever actually makes lasting changes to reduce costs, BTW! We would constantly seem to see-saw between "Oh we're doing really well!" to being right at the bottom of the overdraft and "We'll have to make up for it next month" then increasing the overdraft when there was an emergency. Not good.
But since I took over managing our finances, we don't have these wild swings all the time and our bank balances have been getting slowly and steadily better. We are not in overdraft. We've been able to handle financial emergencies without it being a disaster and I probably could get a hotel in the situation you suggest.
I once wondered why DH is so bad at managing money at home when he manages budgets at work, but I think his role with budgets is totally different at work - he basically says he doesn't allocate budgets, but he does spend budgets and argue for more budget etc
His whole family have a similar attitude towards money and lurch between riches and ruin whereas my family is more cautious and tend to try to avoid debt.
It is controlling the way your DH is acting, and that is not healthy in a relationship. Only you will know if that is part of a wider pattern (in which case you might find that you get on much better with him out of the picture completely) or whether it's specific to money and may be something that would be helped by more transparency and objectivity on the subject.