Gigi, sorry you went through all of that DH does have good intentions to save, he has goals, he works hard, he's paying things off (neighbours car he is buying and our personal loan) but every other cent is being spent. I know exactly what you mean when you say "it's like handing over money to mum so he won't spend it" I often use this phrase in arguments. And as for a rainy day fund, I worry constantly about that. Our savings are minimal and only because I budget accordingly to save that money!
He knows he has a problem, but he just can't help himself. If I ask him for money, he will give it to me (provided he hasn't spent it already) He will give me the last $5 in his wallet, but I need him to stand on his own two feet and save for himself instead of asking me for money out of our savings.
I really hope things don't get worse. I know a couple that live like this, she takes all but a tiny percentage of his wage (enough for a slab of beer and petrol for the week) and the rest goes to mortgage/bills/food etc. They are very happy too, he doesn't mind at all and she is content with living like that. I can only hope that if we have to live like that then we can be happy doing things that way.

Thanks for your input



And Kylz, stop spending!!