First, it isn't only hubby who needs to change. Sounds like what you two are doing isn't working, so it's time to re-eval everything from finances to distribution of duties between you two.
do a budget to see where your $ is actually going - you'll be surprised on how much can be spent on work clothes, lunches, transport to work etc.
talk w/ hubby - what's he thinkin about? goals?
start there and work on it
P




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