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.
Aries
You are a warrior by nature, try to balance out your own needs to ensure you do not give all of yourself to another. Give yourself some love, too!
Taurus
Do not fret, the secrets being hidden are not bad and are beneficial to your future. In fact, you will be super happy when they are revealed. Then, you can make strategic moves forward.
Gemini
Your friendship circle is evolving, allowing you to meet new people who will become your best buds over time. Embrace the rare chance to connect and engage with others you meet now.
Cancer
Home is where your heart is this week. And the more reason for you to start making yourself feel cozier in your space now. Treat yourself to a few new items to decorate and spruce up your pad to get in the spring spirit. Add fresh.
Leo
Lean into your higher mind and vibe. This will give you the ultimate opportunity to achieve personal fulfillment and spiritual growth over the next few months. Doing so will encourage you to reach new personal heights.
Virgo
Standing up for yourself takes a lot of guts and confidence. Luckily for you, you are able to assert your view against others and defend yourself against those who aim to bring you down.
Libra
Making your mark on the world is challenging, but you are headed in the right direction. As long as you accept that you need to be a leader rather than an innovator in your endeavours, you can take on your goals with success.
Scorpio
You are being introspective and plotting your next moves on and off this week. Take this time and energy to strategise the upcoming sunny days, so you can use them to your advantage and achieve your desires.
Sagittarius
It is time to get creative! This means busting out your drawing board, paintbrushes and colour palette to make art. Whether it is for professional endeavours or for pleasure, you will be inspired to bring your passions to light
Capricorn
Work is becoming very chaotic at the moment and requires all of your time, but you have the chance to balance out your vibe and not focus on professional endeavours. Find your chill spot and lean into self-care.
Aquarius
You are feeling extra chatty and more able to engage with friends. Word of advice: think before you speak to avoid conflict with others.
Pisces
This week gives you the chance to restart, reboot and get motivated to take on new opportunities. The question is: Are you ready now?
Attention-Deficit or Hyperactivity Disorder (ADHD) is often mistaken for laziness or indiscipline. In consulting rooms across Accra and in reports from school teachers, the pattern repeats: children who are bright but forgetful, parents who feel helpless, teachers who see incompleteness.
Research is clear-Barkley (2015) and others describe ADHD as a difference in the brain’s regulation of alertness, impulse and working memory, not a lack of effort.
The family’s role begins with structure. Regular sleep, predictable meal and homework times, and a simple visual list (uniform → books → water → corridor) provide the external scaffolding these children need. Praise what is completed—“You opened the book and wrote the first sentence”-instead of rebuking what is missing.
Schools can help by seating the child front-row and centre, giving short written plus verbal instructions, allowing brief movement breaks, using quiet nonverbal cues and, where possible, grading effort and method as well as neatness. These adjustments reduce conflict and raise submission rates without lowering standards.
Couples and caregivers should share roles: one grounds, one pivots, and both protect rest. Shame-“bad parenting, bad child”-needs replacing with fact: different wiring, needs scaffolding.
Outcomes improve not by promises of perfection but by daily routines, clear limits and warmed connection. One homework slot kept, one instruction chunked, one calm repair after blurting-these small wins shift the family climate and let the child be seen beyond the label.
Resource
• CPAC (award-winning Mental Health and Counselling Facility): 0559850604 / 0551428486
Source: REV. COUNSELLOR PRINCE OFFEI’s insights on special needs support, relationships, and mental health in Ghana. He is a leading mental health professional, lecturer, ADR Expert/Arbitrator, renowned author, and marriage counsellor at COUNSELLOR PRINCE & ASSOCIATES CONSULT (CPAC COUNSELLOR TRAINING INSTITUTE) – 0551428486 /0559850604.
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