First off, I want to say that IMHO your screen name says it all – this is the life! I admire your way of living.
Putting a sigh in the phrase, <sigh> this is the life. Mothers are mothers. Bills are bills. Priorities are priorities. The best advice I can give you is that you should tell you mother in a very respectful way that while you will graciously allow her to spoil you, at your stage in life spoiling yourself is a low priority. While of course everyone family is different, most couples who are married for a few years simply do not have the disposable income to live like that. So it’s a trade-off between responsibility and gratification. She will admire you for choosing responsibility if you let her know that it makes you happy. Reinforce your happiness over time to her.
Tout le meilleur!