How do I manage funds?

Good day ma,please I really need your advice.
I'm married with two kids and my hubby stays abroad while me and my kids stays in Nigeria,my hubby doesn't like giving me his ATM cards whenever he want to travel out of the country because he said I'm extravagant.
One day he called me and told me where to get one of the ATM so that I will use it to pay for a land property,he warned me not to use his money,He do send us feeding allowances but is too poor,he warned me seriously because of the money in that account and he said if I touch the money,he will send me back to my father.
It's one year plus he travelled,I have spent more than N350,000 and I don't have any means of paying him back,I'm afraid he said he is coming back this September,he also promised to establish a business for me whenever he comes back.
For those of you that will ask,how do you spend the money,
(1) He bought a car for me,I use it to take my kids to school but he doesn't give me fuel allowance,
(2)He doesn't care whether we put on cloths or not,though whenever his coming back he do buy for us,
(3)and other necessary things,machanic,replacing some faulty things,I didn't use the money to buy myself anything ooh,I spent the money in his house etc.
Aunty Amara to be sincere with you I'm extravagant as he said, he do call me (ori aku),I'm not working and I don't own any business yet,that's why I'm spending his money.
Please advice me on how to manage the little he is giving me and how to tell him that I have used his money before he will send me back to my parents,(my hubby is a stingyman)thanks.

Dear sender,
A man who sends you monthly allowance no matter how small is not stingy.
A man who cares enough to buy some dress when coming back is not uncaring.
In as much as you do have legitimate reasons why you would spend his money, defending yourself by labelling him stingy and uncaring was simply not necessary.
You could have let him know if you had some challenges at home and you should have told him much earlier what you needed to take care of your home.
I feel it's because you may never know how he labours to make these savings and that has made you feel that you could spend it as you wish and tell us what he is not.
Well I had to point you to the truth, you need to make amends because it is not a virtue for a wife to be running her husband's efforts down.
You need to keep records of every transactions you make on a daily basis no matter how little or how big.
You need to help your husband to prosper by going for bulk purchasing and also by shopping in local market to save cost.
I feel that if you always put your husband in the picture of your challenges, he would definitely support and encourage you.
Whenever you intend taking money from the ATM, you should do him the favor of letting him know so that he would understand and also advise you on what's best for you to do.
For now, get a book and a pen, write down how much he sends to you every month and what you buy with them.
Then write down all the things that you have purchased with the excess crude account.
Then do that for all other months that he wasn't around.
Do not tell him anything about the account until he is home. But please whatever money you need from the account, always let him know. That's what is called courtesy.
I do not feel that he would send you packing as a result of this but you need to sit up and learn to manage your resources because if you cannot manage your funds, you wouldn't succeed in your business no matter how much you invested in it.