query my wife loves shopping online and has become a spendthrift earlier she used to contribute some part of her income in running our household and we also used to save money every month somehow she has started living this paychequetopaycheque lifestyle and she starts lecturing me on how i am being a penny pincher whenever i ask her to spend wisely help by anonymousresponse by dr prakriti poddar a mismatch of values seems to be taking place here and the time has come that you both look for a practical solution first create a budget of your household expenses and add the expected ratio of contribution from both of you post clarity do engage your wife in an open discussion on the status of the financial expectations highlighting the need to set aside money for insurance and investment build consensus and listen to her point and work on a mutually crafted financial budgetyou also need to keep in mind that how your wife chooses to spend her personal money is also her prerogativeit is important to first get a clarity on the current financial situation and then to discuss it clearly with your wife dr prakriti poddar is an expert in mental health and the director of poddar wellness ltdwant expert advice for your relationship send us a mail at expertadvicetoigmailcom