The cash card won't be a viable option as my husband thinks those encourage more spending because you can always put more money into it, without seeing how the money's involved with other bills. I do keep track of my spending, and my husband found out it's not as frequent as he thought, but we'd still like for me to reduce it.

I think I have a similar problem as you, ThisWayOut. If I go to the mall, I'm more than likely to wander around and find something to purchase. If I avoid going to the mall, my purchases are going to be a lot less. In the past I was good as convincing myself not to go, because of all the people, driving through traffic, etc. Now it's nicer and I want to get out and do whatever I can.