If I were you, I'll get the atm and credit card from my better half,in this way it will minimise his/her unnecessary spendings or expenses,just give enough allowance from day to day expenses,but you need to explain your reasons why your doin this,which is the main objective is to save.
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Direchuhan na yan, kahit feeling mo awkward o nakakahiya. Pero pera yan, e. Kailangan talagang pag-usapan ng masinsinan.