thriller or horror where man is haunted by wifes ghost and tries to throw away bag

I only saw the last 20 minutes of this movie, but it seemed quite low budget, and either the audio mix was really bad or the channel only had a bad copy… It seemed to be from around the 60-80s. Its in color, and i think from usa (but mightve been english). It features a rich guy living in a mansion…. I think he killed his wife???? but now she haunts him kinda??? he visits a resturant and shes sitting beside him…. i think dressed in a black mourning dress. i think ppl around can see here but im not sure??? and he is trying to throw away this bag, i think it belonged to his wife??? he throws it into the river or something…. but he gets it back?? also there is flashbacks to what i think is when the man was a child???? something happened to his mother????

 

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