Your potrait of your wifes picture shows to be really one sided. Why doesnot she allow you to buy a guitar? Did she felt threatened ? was there any issues with other woman with your Guitar? Also do you have a trademill at home? If you don't buy one and excercise at home with her. Will she have a problem with that... If you already do and are spending by listening to sales people you get online and from other places...those are issues you need to resolve.If you want to join online health clubs besides the fact that you already have membership and excersie instruments then you may be making a mistake aswell. May be your are doing spending too much.... than you should. Money you make and she makes are saved for home you said right...doesnot look any selfish of her to me as is she is trying to save that for your house...Also it is good to ask yourself do you make wise selection in terms of money? I let my wife handle money and she is good with that. Sometimes I get suprised what a good decision she makes!

There could be many issues with you too...Look at yourself.  Everyone  thinks your way is the right way,have you tried to understand her perspectives? How many health clubs are you a member of? Is this the 1st time you are taking membership? Gotta look into your sides too...It is good to look at both sides.

Having a seperate account may resolve these issues...but looks like you want to have control over that money too :-)