Hi, I so sympathise with the money thing. I just spent a whole months wages on crap after cancelling all dd's which mu hubby is yet to find out !!

Could you possibly have the account in a family members name that is for emergencies only? So only they can withdraw it if you really do need it for an emergency?

Hope you find a way around it. Or maybe you can arrange it so that your partner has to sign as well for you to draw extra money?

Hope you work something out