Communicate and understand, and develop budgets.

1. Have open, honest and respectful communication with your wife. Understand the reasons for not working and the motivations for swiping your credit card. Have other concerns, questions, or a different perspective on family finances. Through communication, both parties can better understand each other's needs and expectations and find the most common solutions.

2. Develop a detailed family budget with your wife. Discuss the family's income and expenses and clarify monthly fixed expenses and disposable income. Make sure to include a budget for entertainment, shopping, and other non-essential expenses to avoid overusing your credit card.