How do we handle a spouse who spends too much?

Discuss it calmly using real numbers, not blame. Set a shared budget with a personal allowance for each person and an agreed limit for big purchases. If spending seems compulsive or is causing debt, seek advice from a financial counsellor.

Try this: 1) Look at the last three months of spending together. 2) Set a monthly budget with a personal allowance each. 3) Agree on a limit, such as a price above which you ask first. Seek a counsellor if spending feels out of control.