I agree with Snodderly ... keep it brief, and simple. Have your son in the next room, or nearby, just in case. And, also for emotional support.
Again, I can see my H in yours ... I'm not a big spender either, but he will buy big items, and sometimes without telling me. This has been a big issue for me. When I worked, most of my money went on things for the house, groceries, and work clothes. I very seldom bought myself anything substantial. Oh well.
Good luck with telling your H.
Me:57 H:52 M:28 Got another lawyer last year and filed. D35,S/D twins28,D22 EA4/04 End? Who knows? "Life is like a mirror. Smile at it and it smiles back at you." — Peace Pilgrim