Husband Spends Too Much Money: 9 Effective Ways to Control

Rummy, my friend, said to me, “My husband spends too much money. Things are being so hard for us. So, I want to know how to control his spending.”

It’s more than annoying when your husband overspends, and you’re left to scramble for money. You might feel like all you do is criticize him or try to manage his cash flow, but neither role is enjoyable.

However, you must take action if you want to control your household finances. In this blog post, I will discuss nine effective ways to help your husband curb his spending and stay on budget.

husband spends too much money

Husband Spends Too Much Money: 9 Effective Ways to Control

How to deal with an overspending spouse in marriage? There are nine effective ways to do that:

#1. Set clear rules:

Start by setting a budget and establishing ground rules on how much money can be spent on each item. If your husband is used to spending freely, this may be difficult at first, but you both must agree on and adhere to the budget.

Also, set expectations on when to talk about financial decisions. This will help prevent surprises and ensure that spending is managed in a way that works best for you. Oh, I forgot to tell you one thing: if your husband doesn’t want to share his bank details with you, convince him to share that. Otherwise, all the ideas will be worthless.

#2. Track expenses:

One way to keep the husband’s spending in check is to track expenses regularly. This will give you an accurate picture of your husband’s spending habits and allow you to adjust the budget accordingly.

Many apps make tracking expenses easy, so find one that fits your needs and have him use it to monitor his spending.

#3. Set limits:

In addition to setting a budget, limit how much can be spent at any given time. This can be done daily, weekly, or even monthly, depending on your husband’s spending habits.

If you’re worried about overspending, come up with a set amount he’s allowed to spend without consulting you first. Setting this limit will help ensure that he stays within the confines of the budget and keeps spending under control. You can warn that you may walk away if he crosses his spending limits.

#4. Encourage savings:

Encouraging your husband to save money is another way to help him stick to the budget and manage his spending. Setting aside a certain amount each month for savings can help him build a cushion in case of an emergency and keep unnecessary spending at bay. You can also concern him as a father’s financial responsibility during pregnancy.

You can also encourage him to invest or put money into a retirement account. This will help build his financial security and motivate him to stick to the budget and keep spending under control.

#5. Find alternatives:

If your husband has difficulty resisting the temptation to overspend, suggest alternative activities that don’t involve spending money. He may enjoy going for walks, playing sports, or participating in free community events instead of shopping for unnecessary items.

Also, suggest activities you can do together, like cooking or playing board games. Not only will this help him stick to the budget, but it can also be a great way to spend quality time together.

#6. Use cash:

Using cash is another effective way to keep the husband’s spending in check. When using cash, it’s easier to track what has been spent and ensure that it stays within the set limits.

A helpful tip would be for him to put his daily allowance in an envelope, so he only has a set amount to spend. This will help with self-control and spending too much money on things he doesn’t need.

#7. Set up a reward system:

Reward your husband for sticking to the budget and avoiding overspending. This could be something as simple as an extra date night or taking a weekend trip together every few months. Having something to look forward to can help motivate him to keep spending in check.

Also, make sure the reward is something other than what requires more spending. The point here is to reward him for sticking to the budget and not going over it. If your husband stays out late, monitor his activities. He may spend money with friends in the clubs.

#8. Avoid temptations:

Staying away from places or situations that may lead to excessive spending can help control the husband’s spending habits. For example, if he often spoils himself with unnecessary items when shopping, try to avoid going to malls and stores.

Also, propose low-cost or free replacement activities such as reading, playing sports, and taking walks to help him focus his attention away from spending money.

#8. Talk about the future:

When your husband overspends, it can be challenging to think about the long-term consequences of his actions. Talking to him about how his spending affects your future together can help motivate him to stay within the budget and make more responsible financial decisions.

Discuss the importance of establishing an emergency fund for unexpected costs, building a retirement portfolio, and saving money for big purchases. This will help him understand the long-term effects that his current spending habits have on his future financial security.

#9. Seek professional help:

If your husband’s spending habits are getting out of control, it may be time to seek professional help. A financial advisor or debt specialist can advise him on how to manage his finances better and get back on track with budgeting.

A qualified financial expert can also guide you in creating a realistic budget and sticking to it. They can also help him look at his financial situation objectively and create realistic solutions that will work for both of you.

Why Does My Spouse Spend So Much? 6 Probable Reasons

Impulse buying:

Impulse buying is when we buy something without thinking about whether or not it is a good purchase. This spending can be hard to control, and your spouse may not even realize they are doing it.

Poor self-control:

Like impulse buying, those with poor self-control may find it difficult to stop spending too much money. This is especially true when attractive sales, discounts, and other promotions are available.

Lack of budget:

With a budget in place, it can be easy to overspend, as you need to know what kind of financial limits you should set for yourself. This is why having a budget and tracking your spending is essential.

Not seeing the big picture:

Some people may need help to see beyond their current wants, failing to consider how much money they could save in the long term by making wiser decisions with their money.

Keeping up with friends:

Some people may spend more than they can afford to keep up with their friends. This is especially true if they constantly compare themselves to others and feel they need to buy the same things as their peers.

Cheating with you:

If your husband is emotionally attached to another woman, he may spend extra money to maintain that relationship. Check him on this point also.

If you think your husband spends too much money, the below discussion will guide you to handle this issue properly:

FAQs on Husband Spends Too Much Money

How do I talk to my husband about spending too much money?

“My husband spends money without consulting me.”

In this situation, you need to talk to your husband. But how? But, before you broach the subject with your husband, take a step back and examine your spending habits.

Do you have any unnecessary expenses that could be cut out? Are there any areas where you could save money? If you’re not on the same page financially, it will be challenging to have a productive conversation about money.

Once you’ve evaluated your finances, you should talk with your husband. Start by sharing your concerns and explain how you would like to work together to get your finances back on track. If your husband is not negative about everything, he will understand your point.

Be sure to listen to his concerns and be open to compromise. You may only see eye to eye on some issues, but try to devise a plan that works for both of you. You can get your finances back on track as a team with patience and understanding.

Should I divorce my husband for overspending?

Many couples face the challenge of one spouse overspending. If you constantly argue with your husband about money, you may wonder if divorce is the best solution. While there is no easy answer, there are a few things to consider before you divorce due to overspending.

Take a look at your financial situation. Can you support yourself and your children without your husband’s income? If not, you may need to stay in the marriage for financial stability.

Consider the impact of divorce on your children. They may have difficulty adjusting to a new family structure if they are young. Think about your happiness. Divorce may be the best option if you are constantly stressed and unhappy with your current situation.

Ultimately, only you can decide whether or not to divorce your husband for overspending. Consider all of these factors before making a decision that will affect the rest of your life.

How to legally stop a spouse from spending money?

If your spouse is spending money that you have jointly agreed should not be spent, it can be difficult to stop them. Fortunately, there are a few steps you can take if you need to limit your spouse’s spending legally:

Draft a written agreement outlining the limits on spending that you and your spouse agree with. This agreement should be signed by both parties and notarized.

Consult an attorney to determine whether a prenuptial or postnuptial agreement might suit your circumstances. These agreements can help set clear expectations about financial responsibilities during marriage, including limits on spending by one party.

Contact a financial advisor to discuss establishing a trust fund for the money in question. This will allow only specific expenditures and limit your spouse’s access to those funds.

Talk with an attorney about filing a court order that would temporarily prohibit your spouse from making certain purchases or accessing certain accounts without your further approval, such as through a conservatorship or injunction. If your husband still does not commit, you can walk away. I Hope he will understand and request you to get back soon.

Should a husband give his wife spending money?

“Should a husband give his wife spending money even if she works?” 

It depends on the individual preferences and financial situation of each couple. Generally speaking, couples should discuss their finances together and agree upon a budget that works for both partners.

Suppose a husband wishes to give his wife spending money. In that case, they should consider setting aside an agreed-upon amount each month to avoid any financial disputes and ensure that both partners feel comfortable with their financial situation. 

Additionally, couples should seek to establish clear rules for spending this money, such as only using it for specific purchases or setting up a joint account for shared expenses. 

This can help ensure that the money is being spent responsibly and transparently. Ultimately, it is up to each couple to decide what works best for them. 

How to deal with a spouse who overspends?

If your spouse is an over-spender, it can strain both of you. You want to be supportive, but it can be challenging. Compare and contrast: while there is no right or wrong way to handle money, everyone has different spending habits.

However, it can also be frustrating and stressful to watch your spouse constantly spending money, especially if it is money that you cannot afford to lose. If you are struggling to deal with a spouse who overspends, here are a few tips that may help. First, try to have a calm and honest conversation about money.

Express your concerns and explain how overspending impacts you and your family. Next, work together to create a budget you can agree on. This will help to ensure that your finances are on track and that both of you are comfortable with the level of spending.

Finally, don’t be afraid to seek professional help if the situation becomes too overwhelming. A financial counselor can provide valuable guidance and support as you navigate this difficult issue.


Controlling the husband’s spending can be difficult, but there are ways to do it. By setting up a budget and rewards system, using cash instead of credit cards, finding alternatives to spending money, discussing the future together, and seeking professional help if needed, you can help your husband control his spending habits and stay within the set limits.

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