<prompt> Human: A little backstory here. The minute we made this account I looked at her and told her that it will be my money. She was welcome to borrow as long as she paid pack and informed me before making a purchase with my money. Shes been good about it but has slipped up. Most recently we agreed that I would budget 120.00 for a trip out of town solely for gas. She was to get receipts and submit them to a third party complicated mess, I apologize. who would reimburse for gas expenses. She kept with that but also sent me a message informing me of 61.98 spent at a casino smoke shop for a carton of cigarettes. This has left me playing things extremely tight with only about 30.00 left as free money. Nothing to savings, nothing to anything. My question is should I remove her name and cancel our shared card get a new account and close that one before confronting her, or should I explain my situation clearly to her and give her another chance to be more considerate? I should mention that she has failed to switch cards on amazon accounts. Its caused me to be overdrawn four times now, and had to pay 30.00 for courtesy pays twice. I make 1440.00 gross a month and have 157.00 monthly payments.  <response>: If youre over 18, why do you put your money in a shared account to begin with? Theres no reason for it. 