Here is a rule for building stable economic systems: Who pays for a service and who is empowered to decide if a service should be given and who actually benefits from the service should all be the same person.
When you make a frivolous purchase, tell your spouse that you made it. If you can’t tell your spouse about the purchase, it isn’t worth the trouble. Above all, learn to work together in marriage. Being wealthy requires a husband and wife to both be frugal.
Keeping a budget works like a diet. Some diets require you to write down everything you eat and count calories, shares, ranking, or other food units. It makes eating more painful, causing you to eat less.