Relationship
How to deal with an overspending spouse (final)
Living within your means is important
If you have gone through the steps above and haven’t seen much improvement, don’t lose hope. You and your spouse may need to take extra steps or get more help. Here are five things to try first:
Cut Up Your Credit Cards
If you tried the envelope system for budgeting, but kept your credit cards just in case, the power of plastic may be too much to resist for compulsive shopaholics. If you suspect this is the case, then get rid of them. Spending money can be addictive, especially if you can’t actually see the money leaving your hands. Cut up the credit cards, and if you must, close the accounts to take the temptation out of the picture altogether.
Use a Piggy Bank
Did you make a piggy bank when you were little? Well, I still have one and I use it to this day. I regularly deposit change in my piggy bank and after a while, I am rewarded for my efforts. It’s a great way to practise patience and discipline, which may be exactly what your spouse needs to lose the overspending habit. Don’t use the piggy bank method alone, however. Do it in conjunction with cutting up the credit cards and the process described above. Reinforce to your spouse that this is not a punishment, but a way of rewarding hard work and self-control.
Motivational Reading
Like many people, I get really fired up and excited after reading a book. If your spouse is this way too, try picking up some inspirational reading like Dave Ramsey’s The Total Money Makeover or Thomas Stanley’s The Millionaire Next Door for starters. Once you’ve read these, there are other great personal finance books out there as well. Reading about how others managed their spending can inspire both of you to work towards the changes you need to make.
Seek Counselling
If all else fails, or perhaps you are feeling resistance from your spouse, you may need to seek help from an outside source. Counselling can uncover deeper issues that your spouse is trying to cope with by overspending. Consider joint sessions, at least to begin with, to make sure your spouse’s overspending isn’t a response to underlying dynamics in your marriage.
Get Support
Organisations like Debtors Anonymous (DA), can give you and your spouse the tools you need to handle your situation effectively. Debtors Anonymous offers a 12-step programme to control overspending and provides support from others who have been in the same place you’re in now.
Final Word
These suggestions will only work if you do not overspend yourself. Make sure you set a good example and that you are working towards financial goals just as hard as you expect your spouse to. Most importantly, support your spouse through the process and only use loving words so that the issue doesn’t drive a wedge in your relationship. Change and healing are most likely to occur if you demonstrate that you are in this together.
Marriage is meant to be a safe place where two people build, grow, and support each other. But what happens when one partner’s need for admiration, control, and self-importance slowly erodes the emotional safety of the home?
As a marriage counsellor and mental health professional, I meet women who say, “I feel like I’m walking on eggshells at home,” or “No matter what I do, it’s never enough.” Often, what they are describing are patterns linked to living with a narcissistic husband.
Narcissism exists on a spectrum. Not every selfish or proud man is a clinical narcissist. But when these traits become consistent patterns that harm your mental health, self-worth, and sense of reality, it is time to pay attention.
Here are seven realistic signs you may be married to a narcissistic husband:
1. Everything is about him
Conversations, decisions, and even your achievements somehow circle back to him. If you share good news, he quickly shifts the focus to his own success or minimizes yours.
Over time, you feel invisible in your own marriage. A healthy marriage makes space for both partners’ voices. A narcissistic dynamic makes space for only one.
2. You feel constantly blamed and criticised
No matter how hard you try, you are made to feel inadequate. He may use subtle sarcasm, public criticism, or outright blame to keep you off balance. This is not constructive feedback—it is a tactic to control and diminish you. You begin to question your memory, judgment, and worth. In psychology, this is called “gaslighting,” and it is a common tool in narcissistic relationships.
3. Empathy is missing when you need it most
When you are sick, stressed, or grieving, a narcissistic husband often appears emotionally distant or irritated. He struggles to validate your feelings unless it benefits him. Real empathy requires stepping outside oneself. Narcissism keeps the focus inward, making emotional support feel transactional or absent.
4. Control disguised as “Love” or “Protection”
He may monitor your phone, dictate how you dress, or isolate you from friends and family under the guise of caring for you. Healthy love promotes freedom and trust. Narcissistic control seeks to keep you dependent and manageable. Over time, this erodes your independence and confidence.
5. Love feels conditional and performance-based
Affection, praise, and attention come when you meet his expectations. When you do not, you face silent treatment, anger, or withdrawal. This creates a cycle where you work harder to “earn” love that should be freely given. Marriage is not a performance stage—it’s a partnership.
6. He avoids accountability
When issues arise, he rarely apologizes sincerely or takes responsibility. Instead, he deflects, blames you, or rewrites the story to make himself the victim. A marriage cannot heal if one partner refuses to own their part. Accountability is the foundation of trust.
7. Your mental health is declining
Perhaps the clearest sign is what is happening inside you. Do you feel anxious, drained, confused, or less confident than when you got married? Living with chronic emotional invalidation and control takes a toll on your nervous system and self-esteem. Your mental health is a reliable indicator that something is wrong.
What can you do?
Recognizing these signs is not about labeling and leaving. It is about seeing clearly so you can make informed choices for your mental and emotional well-being.
1. Seek clarity through professional support: A trained counsellor can help you separate reality from manipulation and rebuild your self-worth.
2. Set healthy boundaries: Boundaries are not punishment. They are protection for your peace and dignity.
3. Build a support system: Isolate yourself less. Share with trusted friends, family, or support groups. You are not crazy, and you are not alone.
4. Prioritise your mental health: Therapy, journaling, prayer, and self-care are not selfish. They are necessary for survival and clarity.
Marriage should add to your life, not subtract from your sense of self. If you recognise these patterns, know this: naming the problem is the first step toward healing, whether that healing happens within the marriage or through creating a safer life for yourself.
Source:
Counselor Prince Offei is a leading Mental Health Professional, Marriage Counsellor, Author, ADR Expert/Arbitrator, and Spectator Newspaper Columnist. He writes on relationships, marriage, parenting, special needs support, and their connection to mental health.
Marriage is meant to be a safe place where two people build, grow, and support each other. But what happens when one partner’s need for admiration, control, and self-importance slowly erodes the emotional safety of the home?
As a marriage counsellor and mental health professional, I meet women who say, “I feel like I’m walking on eggshells at home,” or “No matter what I do, it’s never enough.” Often, what they are describing are patterns linked to living with a narcissistic husband.
Narcissism exists on a spectrum. Not every selfish or proud man is a clinical narcissist. But when these traits become consistent patterns that harm your mental health, self-worth, and sense of reality, it is time to pay attention.
Here are seven realistic signs you may be married to a narcissistic husband:
1. Everything is about him
Conversations, decisions, and even your achievements somehow circle back to him. If you share good news, he quickly shifts the focus to his own success or minimizes yours.
Over time, you feel invisible in your own marriage. A healthy marriage makes space for both partners’ voices. A narcissistic dynamic makes space for only one.
2. You feel constantly blamed and criticised
No matter how hard you try, you are made to feel inadequate. He may use subtle sarcasm, public criticism, or outright blame to keep you off balance. This is not constructive feedback—it is a tactic to control and diminish you. You begin to question your memory, judgment, and worth. In psychology, this is called “gaslighting,” and it is a common tool in narcissistic relationships.
3. Empathy is missing when you need it most
When you are sick, stressed, or grieving, a narcissistic husband often appears emotionally distant or irritated. He struggles to validate your feelings unless it benefits him. Real empathy requires stepping outside oneself. Narcissism keeps the focus inward, making emotional support feel transactional or absent.
4. Control disguised as “Love” or “Protection”
He may monitor your phone, dictate how you dress, or isolate you from friends and family under the guise of caring for you. Healthy love promotes freedom and trust. Narcissistic control seeks to keep you dependent and manageable. Over time, this erodes your independence and confidence.
5. Love feels conditional and performance-based
Affection, praise, and attention come when you meet his expectations. When you do not, you face silent treatment, anger, or withdrawal. This creates a cycle where you work harder to “earn” love that should be freely given. Marriage is not a performance stage—it’s a partnership.
6. He avoids accountability
When issues arise, he rarely apologizes sincerely or takes responsibility. Instead, he deflects, blames you, or rewrites the story to make himself the victim. A marriage cannot heal if one partner refuses to own their part. Accountability is the foundation of trust.
7. Your mental health is declining
Perhaps the clearest sign is what is happening inside you. Do you feel anxious, drained, confused, or less confident than when you got married? Living with chronic emotional invalidation and control takes a toll on your nervous system and self-esteem. Your mental health is a reliable indicator that something is wrong.
What can you do?
Recognizing these signs is not about labeling and leaving. It is about seeing clearly so you can make informed choices for your mental and emotional well-being.
1. Seek clarity through professional support: A trained counsellor can help you separate reality from manipulation and rebuild your self-worth.
2. Set healthy boundaries: Boundaries are not punishment. They are protection for your peace and dignity.
3. Build a support system: Isolate yourself less. Share with trusted friends, family, or support groups. You are not crazy, and you are not alone.
4. Prioritise your mental health: Therapy, journaling, prayer, and self-care are not selfish. They are necessary for survival and clarity.
Marriage should add to your life, not subtract from your sense of self. If you recognise these patterns, know this: naming the problem is the first step toward healing, whether that healing happens within the marriage or through creating a safer life for yourself.
Source:
Counselor Prince Offei is a leading Mental Health Professional, Marriage Counsellor, Author, ADR Expert/Arbitrator, and Spectator Newspaper Columnist. He writes on relationships, marriage, parenting, special needs support, and their connection to mental health.
