I'm trying something new, and not remotely as self-disciplined as what
@ski diva is doing, but baby steps, right?
DH and I often have arguments in which I just *want* something. Usually it's skis. Every several years, it's a mountain bike, which could be the equivalent of 5-10 pairs of skis, depending. It always results in resentment on both sides.
So after a lot of difficult discussions, because DH and I have very different ideas of what we need and he has this (to me) weird fixation on what we or specifically I "should" be able to do without extra help, as of today, I have a savings account into which I will be siphoning $X every month. This will be my new skis and bike fund. This is completely my idea - I would probably have bristled if DH had suggested it. Well, not probably, certainly.
It means that if I save up for the level of bike I've said I want, it's going to be two years. Or I can decide I'm willing to get a lesser bike to get it sooner. Or I have to wait on my bike because I fell in love with a pair of skis. Or if I want a new road bike ...
This probably sounds stupidly basic, but for me, that connection of "this OR that" has been sadly missing from my brain. I want this, and I want that, and I will whine until I get them, and I will force DH into the parental role of saying no, or more likely he will tell me it is up to me whether I really think I need this, which is him trying to get out of the parental role ... like I said, nobody's happy. I get the skis, but I feel guilty. DH resents the purchase. It sucks.
This way, I don't have to ask him about bikes and skis, but there's still a limit. A predictable limit that we can put into our budget.
I realize this is super limited, with all sorts of room for major purchases that aren't bikes or skis. But it's a start, and a way to circumvent arguments that we have pretty regularly. We both agree that if, say, my ski boots aren't working out, new ski boots are not coming out of this account. That's a "mandatory" expense, not the same thing as my 7th pair of skis.
I'm not asking him to do the same, because he sees money differently, and generally speaking he doesn't spend it as freely as I do. That's fine. What's good for the goose isn't always good for the gander. He also agreed to some similarly artificial arrangements for ourannual large expenses, to help me visualize the expenses. He says he doesn't need that cue, and maybe he doesn't. But for me, it's hard to picture the upcoming car insurance payments when I see money in the checking account. This way it makes it all more "real" to me.