Re: yours mine ours accounts
I have some advice...
First, online banking. If you don't have it set up, set it up. Then, every day, log in and tally up or print off the frivolous spending for that day or the previous day. Each week make a total, each month make a total. At the same time, keep a ledger that shows the available balance on your bank account. Update it each and every day.
And here is the most important part: make sure your husband sees it. Do not say a word about how he is nickel and dimeing the two of you to death, just make sure he is aware of how much he spends on frivolous BS.
After doing this for just a few days, he will probably be more willing to come up with a plan. Just seeing it will likely make him anxious.
Be ready for arguments, and if after a couple months he still refuses to do anything to fix himself financially, create a step by step plan to become financially independent from him. Let him know your plan.
"The ecologist is continually having to look at the aspects of nature with which he is unfamiliar and perforce must be an amateur for much of his working time.... professionals may carp at omissions, misconstructions, or even downright errors in these pages. perhaps ultimately they may forgive them for the sake of the overall vision that only the amateur, or the ecologist, blithely sets out to experience."G. Evelyn Hutchinson