We have a plan....he doesn't organise the spending I do....we have a joint account he has an account just for him and I have 2 accounts....his money goes into the joint account when he needs money I transfer it electronically into his account (there is no card access to the joint account) our long term savings go into the joint account, and one of my account is for periodic deductions and the other for day to day funds to get school shoes for the kids or whatever. it means a delay to spend more than we have with us, we have to plan what we need before we leave the house and transfer it before we go.

that helps cut down drastically on the impulse buying

and keeping a budget and paying the bills before anything else keeps them paid up to date and makes the future weeks easier to handle....