The Wednesday Wellness threads are meant to encourage users to ask for and provide advice and motivation to improve their lives. It isn't intended as a 'containment thread' and any content which could go here could instead be posted in its own thread. You could post:
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Requests for advice and / or encouragement. On basically any topic and for any scale of problem.
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Notes -
This is a category where the conventional wisdom fits really well in that opposite spending styles cause a lot of marriage woes.
My experience with this across quite a few friends and their partners is that with this sort of coupling is that it invariably ends in one of roughly three (I'll outline four but two are variations on a theme) stable ways.
The first is the end of the relationship - there's not too much to be said here. I don't think this is a huge risk for you personally, as this is a more lower-income sort of end. If she's not outspending your actual income then the chances are much-reduced.
The second is that she gets what she wants, which is license to spend what she wants. For some spenders this has an inherent limit and will be satisfied, at which point this largely resolves itself. If her spending is more social - lunch with the girls, keeping with fashions with her friends, etc, etc, this isn't too uncommon. Lots of people feel the urge to spend more to keep up with the Joneses, but many simply want to keep up and don't feel the need to spend incessantly. Lunch, dinners, hairdos, makeup - a lot of women just need these things covered for social reasons which to me is very fair. If she has a compulsion to spend her money no matter how much she has... well, GOTO 1 or 4.
The next two are very similar and differ mainly by degrees but because they play out so differently psychologically I've listed them separately.
The third is when you have auto-payments deducted out of your accounts into non-spending accounts that are hard to access. Savings accounts with no cards attached, 401ks, etc. These automatic debits come out on payday. Once that's done, what remains is spending money. Usually this means the two of you separate out, say, grocery money (a buddy of mine used store gift cards to manage his grocery budget with his girlfriend which meant any further spending had to happen from her spending money) and such, and potentially have a third account for other automated spending like bills and such. In short, making as much of the process as automatic as possible so any spending blowouts are constrained.
The fourth is very similar - money goes into a central bank account under the control of the 'saver' spouse and the 'spender' is given their allowance automatically once a month/fortnight/week. They can still log into it and transfer money, but there's an understanding nobody is going to do that. This is more extreme than 3 and is more when someone has a spending problem, can't control it and needs just to have a card with limits. I have seen this work well with my grandparents - my grandfather always spent money like it was going out of style so my grandmother would always give him a cash allowance for the week to spend and managed the household herself with the rest.
The theoretical fifth is that she just starts budgeting well by herself, falls in line with your spending philosophy and all is well. I have never seen this happen but have included for completeness' sake.
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