is he stingy or am i fazool karch?

According to how I spend my money, I’d say you over spend.

When you’re always buying stuff for people, you are not giving him a chance to think about buying stuff for other people, because you’re already doing it. You can’t blame him for not telling you to buy stuff for them.

I can understand your feeling to have to explain, even if he doesn’t ask for it. You are probably aware that he is not a fan of you buying stuff all the time, without him ever saying that explicitly. That is what makes you conscious whenever you buy stuff and so feel the need to explain.

I can’t say if your husband is stingy because I don’t have enough info there. But it doesn’t sound stingy to me.