I need some ideas. I'm married, and we have a joint checking account. I no longer have any credit cards, debit cards, ATM cards, anything like that. And my latest system of budgeting has been working somewhat well - we do all our shopping for groceries, household goods, prescriptions, and gas, at one main store where my husband works. So I load what's budgeted that week onto a reloadable gift card. Then I can't spend any more, and I can only spend it at that store. It's working well.

And then I only allow myself a certain amount of cash spending money every week.

But that's where I get in trouble. When I run out of cash....it is SO EASY to just go to a bank, and withdraw more.

How can I restrict that? I asked the bank and they have no way of doing it for us. The only way would be to take me off the account....but that could have MAJOR ramifications in the event of any kind of emergency, death, or divorce. I'd be screwed.

What should I do to stop the cash withdrawals?