Ang hirap unawain ng pagiging magastos ng asawa ko. Paano ko b maeexplain s kanya n dapat inuuna nmin ang pag iipon.?

If I were you, I'll get the atm and credit card from my better half,in this way it will minimise his/her unnecessary spendings or expenses,just give enough allowance from day to day expenses,but you need to explain your reasons why your doin this,which is the main objective is to save.