Firstly, you have to talk to your wife calmly. You can’t just fight with her on this matter because it will lead you to only more fights. You will have to discuss this matter with her. You have to inform her that she has to cut down her expenses as you are going under heavy debts. Try not to blame her from the beginning. Try to convey your situation to her. Inform her that you are going through a heavy debt. Therefore you both have to spend money carefully. Maybe she might not have realized it. And maybe you can reduce her expenses without even blaming her. As you are newly married, she might not know much about your living. So, give her some time and see.