Sit down together and work out absoulty everything. My Husband has honestly no idea where money goes where but understands i have the financial mind for it all. Start purchasing odds and ends early. When we found out we were expecting bub 2 i bought extra things when they were on sale (nappies etc). Our belief was as long as the mortgage was paid and the bills and the kids had food who cares.

Start living off his wage now and put yours into savings. Live to a strict budget then what ever is left at the end of the fortnight put into your savings to bulk it up. only dip into it as required. You will be suprised how you can survive and save.

Another thing I do is work things out in small payments. For example DH wants to go to an event in March which will cost approx $300. I tell him he needs to save a certain amount each week ($5) to be able to have the money required by then. How easy is it to say "save $5 a week" compared to "save $300 by march"