My H was kind of out of control with his spending for the first few months after the bomb.. and once we got to friendly terms I said to him "It's your money and your business how you spend it.. but I did want to make you aware that you have been spending a lot of money lately and since I am paying the bills from the accounts I felt I should mention it to you just in case you weren't aware.". I was matter of fact.. not rude, not blaming, not chastising... just mentioning it since he left me responsible for the money and I wasn't sure he was paying attention to how much money was going out of the accounts.
Every sitch is different.. but level heads do prevail as they say! Best of luck to you my friend!