I have always been good with my money. When I married I merged our accounts. Finances became a disaster. A few years ago we had some major life changes. At

I have always been good with my money. When I married I merged our accounts. Finances became a disaster. A few years ago we had some major life changes. At that point I set up more accounts. My wife is on all accounts, but she has a PRIMARY spending account, which although I am on the account I never use. We put money into it regularly. Since she does most of the shopping that is where she spends from. I have a separate account for the mortgage. Another account for charge cards, cash and utilities. By physically separating the money I have not had a late mortgage payment. My wife has freedom to spend without guilt. And we are finally saving money. Your mileage might be different.