Does it matter if its WAW or MLC, treat the same?

[chasingpavements]

Yes, Thumpered, I would do whatever you can do to make sure she is not spending money from any joint credit/joint credit cards. Make sure if she is spending any money, it is out of her own pocket. She will have to learn the hard way that there is not enough money for all of the trips that she intends on taking. I would not let her use your money to finance all of these unnecessary trips, when you are struggling to make ends meet. You are going to want to prevent your spouse from running up debt under your name. Cancel all of the cards you are aware of, and put them under your name.