One year in but a newbie

[Lifes Twists]

Any suggestions on handling financial issues with the WAS? I found out last evening that my W is late in paying a car payment which is under both of our names. She also indicated that she was behind in other bills because she spent too much on Christmas. I ended up coming up with $380.00 which I did not really have. If I let her sink it will affect my credit. If I keep helping am I preventing her from learning what things will be like in the future if we get a D?