That's a toughy,I don't know what to tell you. My DH and I have joint accounts. He is horrible with money, so I handle everything. I am honest about where it is going, he knows the passwords and where I keep the bill spread sheet.

Our big purchases are a joint decision. He said "Yes, we should go get that bike today." He said we should look at a mountain bike I am considering.

I would be honest with him and if you touched savings, I would sell an old bike. I just sold mine and although I miss her, the money is possibly helping me get a used mountain bike.