Relationship Advice? Please?

I've been dating this girl since January and everything has been great thus far. We live together and have shared goals together. In July, we decided to save money and be on the same phone plan. Yesterday, she decided to go with yet another carrier to get the latest and greatest iphone 6. Her current plan does save her a mere $2 a month (total 74 with taxes) where as her portion of her old plan was a total of 76$ w/ taxes. So it's not a big deal, right? That's what I thought. One of her reasons (other than wanting to have one nice thing for herself), was to save money to pay off her debt. Earlier last week, I had offered to pay a portion of her phone bill because I'm debt free. Only if she agreed to use what she would've normally paid to towards her debt. Maybe it's a pride issue, but it's completely disheartening and disappointing to see someone who I care about do this for a mere item that will be out of date in a few months. If that isn't good enough, I had hopes of marrying this women. For me the larger issue is that she is not responsible of her finances and is dysfunctional when it comes to understanding the importance of saving for her future. Originally, I had planned to purchase a trip with her (as it was a common goal to travel), but with this.it's a game changer in my mind. Gold-digger? Doubtfully. Like I told her this morning, diamonds may be a girl's best friend, but no matter how big and pretty they are, they won't keep you warm at night.

This girl has got herself into debt because she has to have everything that is new on the market. It is a sortof compulsion where how to pay for something is secondary to having it.
You can of course stop helping her out financially until she sees and feels the pain of her extravagance. Unfortunately there are many people like her.

Everything else aside, you have rather rushed this relationship - you have only known here since January - barely 10 months, yet you are already living with her and talking marriage! Thats why its good to a decent length of courtship BEFORE living together and marriage, so you get chance to find out exactly what the other person is like - like you have now with her money - but unfortunately you are now living with her, so a bit late to start having doubts!

But I doubt she is a gold digger as such, just someone who isn't good with money, someone who likes the latest new toy, mabye someone that is a bit materialistic and wants nice things… Up to you whether you think you can live with that or not.