I'd like to reconsider our budget. I share your nervousness. At the same time I feel sick to my stomach at the thought of having to return to the really tight budget we were on when you were unemployed. I sure feel thankful that we're not that bad off now. Conveying thoughts is important, but thoughts are conveyed with increased potency when they are preceded by a description of the speaker's feeling.
Thoughts alone create an arm's length, businesslike tone.
Adding feelings gives the conversation warmth and intimacy. For maximum effectiveness, first label the feeling, then verbalize the thought. It provokes defensiveness, because it sounds like a warning that a criticism is on its way. Once again, the solution is to express a feeling before the thought. I wish you'd stop criticizing me.