Unfortunately, if you can't get your husband on board, you probably will never be able to get ahead. He'll always find SOME way to spend.
However, there might be some hope to get him on board. We were in a similar situation until recently. I'd be saying "we don't have the money, don't spend anything!" and then there would be these small nickel-and-dime charges that ate up a ton of extra funds. And since nothing was a huge expense, there didn't seem to be any way of getting through.
I now use a software called "YNAB" (You Need A Budget") and it is great! It lets you put everything in a category and track where everything goes. There is an app so that you can enter purchases as you make them and track your budget in real-time. For the chronic overspender who doesn't realize how much they've spent until they've already done so, this is a wonderful thing. You can set goals each month and plan how to spend the money. I recommend you check it out, as it has been a game-changer for our finances and I now recommend it to everyone!
My suggestion is to make sure that husband has a set amount of "fun money" that he can use HOWEVER he wants, with no nagging. It is then his responsibility to not go over. If he enters everything as he purchases it, he'll soon realize how quickly those funds go away!
check out the site if you get a chance, just search for YNAB or go to http://www.youneedabudget.com/
Good luck with getting husband on board!
