FWIW, neither DH or I have over-spending habits, but I still do all of the banking. It isn't always about control but just ease. You share bills and it is silly for both to be worrying about these things. So although it may feel like taking control of the finances means you are parenting, I think it is just easier even if noone is a compulsive spender to make sure the bills all get paid. I think given his habits it is time for you to take control and put your family back into a good financial position.