How about making a joint financial plan WITH your wife?
Tell her you are sorry that you haven't kept her better informed, but times are tight and a new plan is in order and that you'd like her input as far as how to go about paying down your debts.
I would highly recommend cutting up the credit cards--too convenient and there is really such a small need for them anyway.
She may be angry at having to adhere to a budget, but she will be even more angry if you make the plan by yourself and expect her to go along with it, without any input.
