Freeze the credit cards - physically freeze them, in a freezer - and make sure you don't already have the numbers written down somewhere or have them memorized. Can't use what you honestly do not have access to. Have the number memorized? Well, that could be a problem. If you could get a new card with a new number and NOT memorize that it would be ideal.

I'm sorry, but someone who isn't going to help you put safeguards into effect and help maintain them is an enabler in my book. If your wife gets "tired" of giving you an allowance every pay period...sorry I won't say anything mean. But really, is it that hard? Here, have $50 - try not to spend it all in one place?