If you are already hitched, and if your spouse is not on-board with living a frugal life, your finances will always be second-rate. Both people have to want this for it to work. If your spouse is not with the program, gently keep working on him/her. It may be, that like an alcoholic, they have to hit rock bottom (lose the house, car repo, job loss).
I hit the jackpot in this area. Thanks sweetie for making all this possible.