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I am glad to hear other have the same problem as me so you are not alone. My husband(DH) is the spender in our family. Not as big but $25 here and there every other day adds up.

I think I have finally come to the realization that I'm also enabling my DH to this. You may want to see if you are doing this.

Some ways I would enable when shopping.
When shopping together and he indicated he really liked something, we did not talk about it to see if it was in the budget and recommend saving for it. We would just buy it.

Or if he is pestering me about buying something I just give in. Like paying 21.95 for AOL I think is too much.

One thing that has worked is setting up goals for 401Ks and vacations. We actually paid for our last vacation with cash. Yeah.

Credit Conselors will work with only her. They did with me. Tough love is a call you will need to make depending on how strong your marriage is.

Affecting your credit: if you depend on her income for the loan then it will impact your ability to get credit but from what I have read the only credit information that should be on yours is joint unless request it to be combined. We have gotten loans in only one name because the credit rating was better.

Good Luck.

momEE (Mother of two and an Electrical Engineer.)

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