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You sit her down and tell her that her priority needs to be to your shared financial obligations first. That it is completely unreasonable for her to spend money elsewhere and stick you with the tab for it, which is essentially what she is doing. Be straight up with her and tell her if she is not capable of meeting the very basic standard of being responsible for her half of your shared bills, that you will not be able to on-line together and you will need to break the lease or make other arrangements.
However, you need to think long and nude about whether this relationship is right for you. Her draining her finances for family is not something that will change overnight, if ever. It's a cultural thing for a lot of people and will always be a fight if that's the case for her. You also need to consider if it could lead to her expecting family to be able to move in at some point and under what conditions.
If you're on two different pages about this, it might be better to just go your separate ways now.