Is your spouse or partner on the same page as you? Mine is not really. I have made some progress in converting him to frugality but there is still a long way to go. His default mode is "I want"... or at least it seems that way from my perspective! He is about "experiences" so we have conversations like why can't we save $2 by ordering water when we go out to dinner--because he wants the "experience" of having a soda with his meal. He gets as excited by getting cheap/free stuff as I do, but doesn't get such a charge out of avoiding purchases. And when he gets cheap/free stuff, it's usually not something he put a lot of effort into finding at a bargain--it's something random that he might not have gotten anyway, like a cheap toy for our daughter that he found yard-saling, but wouldn't have purchased otherwise. Also he's very much inclined to be the voice of "Meh, let's go out" when we can't decide what to make for dinner, which makes me feel responsible for most of the meal planning.... and for making sure his lunch is packed because otherwise he'll do the same for lunch at work. Etc. etc. I feel like I have to be constantly vigilant because when I'm not, nobody is.
I have control of the purse strings on most big things, but I feel like he pisses away money on little things and it just drives me nuts that he doesn't see that as a problem.
Ugh, anyway. I guess I just needed to rant a little. We're making ends meet despite this, but we could be saving/paying off our debt faster if he was more committed to it. I feel like we are drowning in debt (>400k between the mortgage and student loans). His philosophy on debt is "Well, there will always be debt." ARGH!