Are you sure there's no one else? Her words sure fit the script.
Puppy
I am pretty darn sure about that at this point. She is just not that type of person. I could be wrong but I don't think so.
That's fine, so long as you are careful and you're basing it on something OBJECTIVE, and not that part I have highlighted in red above. Cuz we've ALL said that -- famous last words!
And if she IS involved with anyone, now would NOT be the time to be giving her MORE control over the family's finances. In fact, it would be time to be protecting yourself financially.