Some thoughts based on limited info provided:
You've got to talk about it, even if confrontation is not your thing. If he's like a lot of nice guys (sexist comment justified because I resemble this remark), he's not picking up on your subtle clues. You both need to own the parts of this dynamic that are your own. You are not being assertive, he is not being fair. Most money arguments are not about money, but power. Don't start this talk when angry, but create an environment conducive to him listening and make sure he hears how you feel. If he's not getting it, tell him "You're not getting it!". It can take something jarring to break through old patterns. The experience needs to stand out. If confronting him about this is hard for you, tell him that too. Tell him this has been going on for a long time and is building to a point where you are seriously frustrated. Follow good rules of engagement, not accusing him ("You never X), using "I" language ("I feel that Y" or "It seems to me Z"). Tell him what you need that you are not getting. Trust? Freedom? Feeling that you matter, too?
Does he know your preference for a cheaper apartment and some nice things? Does he realize this is a compromise for you, or did you just say "sure, honey" when he suggested moving in to that place? Consider this may all be a big surprise to an oblivious and loving husband.
Sounds like with following him around you've let this go long enough. If you just keep following him around and being accommodating, the pattern will continue, which will escalate your frustration with the current dynamic. It's discouraging that a fair approach like "spending money" has not worked. Did he overspend and there were no consequences? Or did you overspend? If my wife or I spend beyond our budgeted "fun money", we are in debt to "us". We don't get future fun money until the debt is paid off. We both agreed on budget amounts for fun money and know them. We respect this commitment to our budget and shared goals.
One thing that has helped me is having shared goals that I know my wife is as invested in as I am, then working together via compromises to ensure those goals are met. Congrats on paying the 100,000 in loans in 4 years... you guys can do this! What is your next common goal? He may relax on your personal spending a bit if he knows you are together on big goals and those goals will be met. That takes away some fear that you are not together on big issues and that those goals happen.
You can try sharing why the things you want to spend money on are important to you, but he might not get it because he's not similarly motivated. Regardless, he needs to trust and respect you enough to give you some lee-way, the way you do him, and in a fair manner. If you have deep insecurities about appearance due to something in your past (for example), share that with him. If you've shared it before, share it again AND help him make the connection that this is WHY buying X is so important to you right now.
Also consider in some cases he may be right, that buying that jewelry is not what makes you beautiful. That you are already beautiful, or that living a beautiful life makes you beautiful. If you can free yourself of the need to spend money for products just so you can feel good about yourself, that is time well spent. The modern Marketing Machine is against you, but you can call bullshit. You may have some stuff to work on, but that still doesn't mean the relationship should be unequal or unfair in distribution of power and money.
You'll probably know by his reaction in the first 3 minutes of a confrontation if he is listening and caring. This is tied up in gender roles, who makes how much, etc. but it comes down to caring for each other. If he's a controlling power-monger who has manipulated you into thinking he cares about you and sometimes cooks you dinner, but really doesn't care, all this talking will go very poorly and you should consider your options. Better to learn sooner than later.