Relationship
How to deal with an overspending spouse
• Time to do some management
So how do you deal with a spouse who seems to blow money at the slightest whim? Be as gentle and as loving as possible, but assertive in your mission. Here are steps you can take to deal with an overspending spouse and improve your situation.
Changing your spouse’s spending habits may seem like jumping a giant hurdle, so it is best to take the process in baby steps. Follow the procedure below in order to minimise the stress of taking on this large and often intimidating task.
Approach your spouse lovingly
Do not begin by accusing your spouse of wrongdoing or by pointing out faults. Deserved or not, this sort of treatment will only drive a wedge between the two of you and make it harder to communicate. Instead, approach the subject in a loving manner.
For example, explain that you want to start monitoring spending habits as a couple, and then start a discussion from there. Another tactic is to discuss ways to save up for something really important like retirement. Drive home the point that you are a team in your financial efforts. Otherwise, your spouse may resort to lying about spending money to you.
Set up a budget
If you have yet to make a budget, take this opportunity to set one up together. Sign up for an account with Personal Capital. The tools they have will make it really simple to start having productive conversations about where the money is being spent. If you do have one, this may be a good time to revisit it and possibly revise it. Work together with your overspending spouse to figure out what your total income is and what all of your expenses are. If you can show your spouse that money spent on frivolous items is causing you to go into debt or preventing you from saving, you are on the right track. However, it’s ideal if through the creation (or revision) of your budget, your spouse can come to this conclusion without you having to point it out.
Decide on how to control spending
If you were able to get your spouse to see the error of his or her ways, that was at least half of the battle. Now, you need to help control the spending. One way to do this is by allowing both of you to only spend a certain amount of money each pay period. I recommend using the envelope budgeting system because it utilises cash to hold you accountable to staying on budget. Once you have spent your cash, you are out of money.
Set realistic goals
Once you have talked to your spouse, set up a budget, and decided on a method for controlling spending, it’s time to look at your long-term financial goals. You both need a reason for sticking to your budget and need something to work towards. Do you need to get out of debt? Make that your first goal. Do you need to save up an emergency fund or start working towards saving for retirement? Those are also very important goals.
Tip: While you create financial goals, it’s also a good idea to make goals to strengthen your marriage, such as planning frequent date nights.
Hold regular financial meetings
Reaching your goals will be a process, and if your spouse has a habit of overspending, it may take some time to break. Hold regular financial meetings to monitor and discuss your progress. You may find that some months you regress, but most likely, you will see an emerging trend of improving finances. Use this information and the meeting time as a chance to praise your spouse and encourage each other to keep working towards your collective goals.
To be continued…
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.
