You did key in on something in an earlier statement re: your financial irresponsibility and household matters. You work on those for you..not for her. Regardless of where the marriage goes, if you get better at those then you'll be better off for it. It'll make you happier with who you are and it'll make you either better in the marriage or better in the next relationhsip. But, do it for you.
I got those same complaints in my sitch. We've never been late with a bill. We've never had any issues at all. She just doesn't like the way I spend money and she's unbeleivably concerned about debt. I admit I've had issues with cc debt but that's from years gone by. I'm currently nearly debt free. If she hadn't lawyered up, I WOULD be debt free!
When I started helping out more around the house she was flabbergasted. Something as simple as making the bed in the morning while she was in the shower gained huge dividends. Of course, other crap became problematic later. She was justifying her decision and one by one I was taking her "issues" off the table by addressing them. "It's not sincere." "It's not sustainable."....
Hang in there. Do your 180's but do them for yourself.
Do yourself a favor and read some of the other threads. It'll blow your mind how common your wife's complaints are. It's almost a freakin' pandemic!