Marriages in its early states at times isnt smooth and since a loan was involved to achieve the purpose, he would plan on how to repay. You can only support him by giving him time to turn around and also get something doing to help with the present bills as he would be fine in the long run.

Living together and understanding each other is a new phase in early marriages and at times it takes time.

Driving your vehicle without Ac consumes more fuel especially when in Motion.

You can tell her what you suspecting without a quarrel and let her mind judge her a bit, hear what she has to say as a response. If she doesnt change by seeing ur reactions then maybe one of those days she is chatting let her get into it very well, then ask her to hand the phone to you and prove herself wrong, If she doesnt then ty taking it away from her by force and hope your suspect is right, if not you sef will be in soup. it never easy my brother but with time everything would play out itself. Wish you all the best.