<prompt> Human: My SO is a smoker and were having difficulty budgeting this into our monthly allowances we each get 200.00 for individual eating, purchases, etc.. I do not condone the smoking and make it very apparent that I do not want to support it from our main checking account groceries, gas, mortgage, bills, etc.. However, my SO keeps blowing the budget and now Im wondering: should I continue to be anti-supportive of this bad habit, or adjust the monthly allowance to account for it? Please give me tips on how you guys account for your SO overspending their budgets and how you keep them on track. Thank you!EDIT: Thanks guys! We do have separate debit cards for our individual accounts and a separate accountcard for the main expenses related to family living. Im a very frugal person by nature, but he is not and will undoubtedly blow any budget he gets. Its extremely frustrating and is something we have talked about for some time now and he never has a solution to offer. He is smoking a pack a day at 5.00 ppack. This is the majority of his budget right there. Also, he drinks not alcoholic, but a beer or two a night. I do not drink, so I feel this is something that should come out of his budget. He also plays video games and the game coming out tonight has to come from our main checking account because his is empty. By the middle of May, he had spent literally double what I had spent and I work downtown more expensive eating?. Personally, I think 400.00 a month in addition to main grocery bill and occasional eating out is already high enough and am reluctant to increase this. I also dont want to have to continue hounding him, reminding him, well, its already the 15th and youve spend all your money for the month. I feel his habits will never change and I am curious if this is something I have to accept or can I do anything about this? I also understand this is now relationship advice, but Im curious to as others approaches regarding difficulty with their SOs agreeing and committing to their budgets. Thank you again! Edit 2: Separate, related question: What percentage of your net income is good to save again? We are saving 24 each month. Is this good enough? I know it can upped, pretty easily in fact...but am I being cheap?  <response>: My husband is a smoker. I do not agree with it either.That being said, we each get 100 a week to blow on whatever we want we never even close to hit that amount, but it was the only number I threw out there that made him comfortable enough to agree with it. Also, we are a military family. My husband knows that he is allowed to smoke only if he buys cigarettes on base or where they are cheaper We live in Hawaii where they are 10 a pack. He smokes about a pack every 2-3 days. I definitely say something if a day after he buys a pack he has to buy another. This usually happens from guys at work bumming cigarettes from him, but I make it very apparent that cigarettes are expensive and I do not like paying for them.If your SO is spending 200 a month on cigarettes, I agree with the method JustDoThis has pointed out. Also, I would regularly pick out things you want for the house or family that are 200. For instance, I want a Kitchenaid Stand Mixer. The one I want is 200 at Costco. If your SO argues about how that is not in the budget, say if you gave up smoking for a month, we could BOTH have something new. The mixer might not work for that if your SO is male and doesnt cook. But perhaps, a grill. A Wii. A TV for the bedroom or whatever. Something that benefits you both obviously.So sorry that is so long and drawn out. My mind is rolling too fast this morning. I wish you the best of luck, but the biggest reminder I have to say is: No one is going to quit smoking unless THEY want to. You cant make them. It would be easier to cut any other thing out of your budget and just make room for this. But you can definitely ask them to cut down to make it easier. 