<human>: Can you summarize the given text in a few sentences?

Hi /r/relationships!

I have a kind of problem. My views on money differ a wholly lot from my girlfriend's views and I'm really tied up in it. 

I'm 18 years of age, my girlfriend is exactly 1 day older. I grew up in a normal family. I am studying in university with the prospect of earning quite a lot of money. However, I have to pay my own university money which is quite a lot for me (150/month) and because my parents didn't really have a lot of money I'm used to being frugal and I love not spending money ... I actually dislike spending money - a lot. Now ... to my girlfriend ... 

My girlfriend is the exact opposite of me, she grew up a rather wealthy family and is used to eating out 3x every month or so and being paid everything. Never worked a day in her life for her money, etc. She also often wants to lunch somewhere or grab a coffee, her family also takes me out a lot.

So. Her family always takes me out, she always pays when she wants to grab a coffee or have a lunch. She always showers me with expensive gitfs etc, thats just how her family is and how she has been raised. I've been raised the exact opposite, we never go out (only on occasions).
<bot>: I feel really obliged to actually 'pay her back' because she spends so much on me while I've been raised very frugally and where saving money, instead of spending money, was encouraged.