It doesn't really matter if it is a fair or unfair plan Syl. The biggest thing will be that you both agree on a solution. Does she even see it is a problem, or is she fine with her spending? Are you saving anything in a retirement account or do you spend every dime you make?
I agree with White Doors, sock money away before you ever get it, in a low risk saving/retirement plan.
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My solution is that I want to take away her bank card, and credit cards and give her a weekly cash allowance.
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Gosh if my husband said that, I think I would cuff him in the side of the head to wake him up. I might not disagree that it is a good solution to curb erratic spending, but talking about a solution and deciding together what to do is paramount. She is a bread winner too, who are you to take away HER bank card.
