No. of Recommendations: 0
I have a suggestion on communication ... visual aids.

If your message (debt paydown, budget, control spending, financial goals, etc.) is the same over and over, you may just keep getting the same results (balking, lying, negativity).

I have seen/heard these percentages recited many times in literature and in classes: Retention of information is only 10% for oral presentation, 35% for visual presentation, and 65% for combined oral and visual presentation.

Try bar charts, pie graphs, picture collage (I believe this was mentioned earlier on this board). Simplify, colorize, and use shapes to represent your budget and goals.

Visual aids will reinforce your message (the plan you both agreed to) without you nagging or harping, perhaps reducing or eliminating lectures. I imagine you neither like giving lectures nor does your wife like hearing lectures.

Whether you use visual aids or not, you may also try applying "Triple Constraints", which is used to filter ideas by criteria (time, budget, performance), not by good or bad. Neither your wife or you are good or bad. Just as the budget and financial plan are neither good or bad. Triple Constraints is to allow the objective evaluation of an idea / plan without internalizing or taking personally the application of the selected criteria.
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