The best advice I can give to families that are SERIOUS about saving money is this:
Lay all the cards on the table.
Until all the major players in a family's finances are on the same page with where EVERY single penny goes, the plan to get ahead will always fail.
Don't punish one another's for past financial indiscretions any longer.
Just move forward TOGETHER, HONESTLY.
No more hiding purchases and debts.
This being said there's not a BOSS, you are PARTNERS aiming for a more stable financial life!