1 thing I learned from a close friend: Get a receipt for every purchase you make during the day. Sit down with your spouse every night for a few minutes while y"all go through the day's receipts.
This way, you're both aware of where you spent money each day. As Arney pointed out, this keeps people aware of their spending habits and subsequently, they spend wisely!
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QMC, USCG (Ret)
The best luck is what you make yourself!