Are her credit cards getting paid off out of a joint account? You need to have a serious discussion about separating your finances in order to protect yourself. I would get on that ASAP. My W was spending 1k a month on a credit card that drew on our joint account while we were first separated. I didn't want to see that, nor did I want to control her. Having a serious talk about how we were going to function going forward was important and healthy. If your W is running up serious debt, you need to take care of it ASAP. I am no expert on finances (Vanilla is really good), but you can check out my older thread as lots of people gave me very good advice.
W 34 Me 42 Married 7 years together 8 0 kids 1 beloved dog BD 4/6/2018 I moved out 4/7/2018 I moved back in alone 8/05/2018 I file 3/06/2019 D official 5/7/2019