Thank you for your respond, Brooke.

Here’s my current model:

C: husband pays the bills
T: He always finds a way to earn more if we need
F: Relaxed
A: overspend on clothes
R: higher bills

So I am not sure that my overspending results from the fact that he pays the bills. I think the action is a result of thoughts that have to do with buffering and not wanting to feel discomfort. I just think that if I knew that I had to deal with the bill on my own at the end of the month I would either find a better way to deal with the discomfort to begin with or I would buffer with something else.