AS, thanks for the advice. All our accounts are joint so we can both see charges and balances. I have noticed in the past 2 weeks my wife is using a debit card for a smaller account that was originally in only her name instead of the credit card for purchases -- as if she doesn't want me to see, yet we can both see all the accounts.
I tried what you suggested indirectly. I created a budget in a spreadsheet and showed my wife. I didn't discuss anything with her or tell her that we have to stay within budget. Now, I'm going to have to be more direct as you suggest.
