They say opposites attract, and I guess that's one reason so many spenders find themselves with savers, or vice versa.

It's hard to break old habits, so instead of trying to convert your spendthrift husband into a tightwad, sit down and agree to a few limits. What percentage of your income will go toward entertainment? What percent will go toward other extras, like new clothes, and what percent do you need to set aside for housing, transportation, savings and debt repayment?

Make sure you're divvying up take-home pay, not salary, otherwise, you're setting yourselves up to fall short. Once you've agreed on a budget, stick to it.