Well, I'm not so sure this is "working" yet, but my latest attempt is that we have opened up a new checking account that is solely for my spending, with a debit card attached to it. A set spending amount is direcit-deposited from my paycheck biweekly and it is for my groceries, gas, meds, spending, and cash. If I spend too much on frivolous crap, we don't eat, or I don't get my meds. When the money's gone, it's gone. We'll see how this works. And I'll no longer use my credit card - my husband has it locked up somewhere.

And I've asked him to watch our regular checking account for any cash withdrawals made by me - there should be none from now on.

Maybe this will work. Maybe.

Cross your fingers.