Overspending Problem

I came home from another long day at work. My wife, Mary, was dusting off some shelves when I arrived.

Hi, honey," she greeted pleasantly. "Dinner is on the stove."

"Thank you, darling." I said, feeling grateful for her consistent effort to take care of our home. I scarfed down the food hungrily and disappeared into the study. The soft hum of the vacuum cleaner echoed from the other room as I opened up my laptop to take a quick look at our finances.

I was surprised to find we were on pace to break the budget this month. I thought for sure we were doing well, and I was excited to put some extra money towards a much-needed vacation for the two of us. Further investigation revealed an alarming number of Amazon purchases and Target runs on her card that I wasn't aware of. I grew frustrated because I had just stressed the importance of keeping our budget, and we had agreed to keep each other accountable.

I checked our recycle bin, and sure enough, there were Amazon boxes broken down and neatly stacked in the bottom of the bin. It was apparent she'd spent some effort to hide the evidence under the normal waste. I shook my head, disappointed that she'd attempt to hide something from me.

I walked into the room she was cleaning and unplugged the vacuum cleaner. She turned in surprise and saw me by the outlet, holding the plug with a stern expression on my face. "Mary, can we talk for a minute?" I asked, my voice calm but carrying a tone of gravity.

Mary's heart skipped a beat as she recognized the seriousness in my voice. "Of course," she replied, her voice steady despite the flutter of anxiety in her chest.

She followed me into the study, where I flipped my laptop around to present the evidence to her. I watched her intently as her eyes scanned the screen. "Do you realize how much you've overspent this month?" I began, locking my eyes on hers.

Mary's heart sank. She'd hoped I wouldn't notice or at least give her a pass. She lowered her gaze, feeling the weight of her actions settle over her. "I, um, I lost track," her voice squeaked. She knew her excuse wasn't going to suffice.

"Lost track?" My voice rose slightly. "This isn't just losing track, Mary. This is blatant disregard for our budget and the agreements we made. We've talked about this. Look at these purchases. Do we really need all these clothes and decorations? Look at all this fast food. I remember a time when we promised to limit eating out. It's a waste of money and bad for your health."

Mary could feel the tears starting to well up in her eyes, as she knew she had no defense. I sighed deeply. Seeing her lip quiver, I softened my tone. "I hate to see our hard-earned money squandered like this, don't you?"

Mary nodded, still shook from my directness.

"We have responsibilities, Mary. We can't afford to be reckless."

"I'm sorry," she whispered. "I know I've let you down."

I felt sympathy for her but remained firm. "Sorry isn't going to cut it this time. You know our financial situation, and not only did you choose to ignore it, you tried to hide it from me. This is more than just a few uncontrolled purchases. This is a breach of trust, and for that, there needs to be consequences."

Mary knew what was at stake. She nodded, her voice trembling. "I understand. I know I've been irresponsible. I promise I'll do better. Please, just tell me what I need to do."

I took a deep breath. "As much as I hate to do this, I see no other choice. You need to be disciplined, Mary. It's the only way to ensure this doesn't happen again."

Mary's heart sank to her stomach. She knew what this meant. It had been a couple of years since she'd been spanked. Fear gripped her heart as she recounted the paddlings over the same desk she stood in front of now. She knew she deserved it, but that didn't help her apprehension.

"It's time you learned a lesson that words alone can't teach," I said sternly as I sat down in one of the chairs across from my desk. "Come here," I said firmly.

Hesitantly but obediently, she trudged over and stood in front of me. I looked up at her sternly. "You need to understand that actions have consequences. You're going to relearn that lesson tonight," I said, my voice serious. I reached out and tugged her modest skirt down to her ankles. She didn't resist, standing submissively with her head down and hands at her side. "Get over my knee, Mary," I ordered.

Mary obeyed, laying herself over my knee, her whole body trembling. She put her hands on the floor, supporting her upper half. Her hips were propped up on my leg, and her legs fell comfortably between mine to the floor.

I set a firm hand on her panties to help settle her. "This is for every dollar you spent recklessly, for every moment of stress you caused, for every promise you broke." I lifted my hand and brought it down firmly on her outside cheek. A small whimper escaped her mouth. I lifted my hand again and spanked her inside cheek hard. A similar whimper drifted up from the floor, where her face was inches away.

I spanked both cheeks again, keeping my hand firm and driving it into her bottom. The way her ass bounced in her panties was enough to make me want to stop spanking her right then and there and give her the pounding she really deserved. I pushed these thoughts from my mind, determined to give her the thorough discipline she needed.

I spanked her hard and consistently for another few minutes before pausing to take her panties down. Mary knew not to resist and lifted her hips so I could slide them all the way down her legs. As soon as they were down, I resumed spanking her hard with my hand. The smacks had a much higher pitch on her bare bottom. Her small whimpers had been gradually getting louder and now resembled a short groan with each smack.

Her small round bottom was perched perfectly up on my leg, and I was able to drive my hand down forcefully with ease. She began to fidget as the pain was building but had nowhere to go as I spanked her ass over and over, breaking her down.

Once her discomfort was fully evident, I supplemented the pain in her backside with strict admonishment. "You need to think about the impact of your actions. (SMACK!) You need to remember this next time you spend. (SMACK!) This is not just about money, Mary. (SMACK!) This is about trust. (SMACK!) Responsibility. (SMACK!) And respecting our agreements. (SMACK!) And keeping our word! (SMACK! SMACK! SMACK!)

Mary was openly crying now, promising to do better.

I paused, my hand resting on her hot bottom. "I certainly hope you keep your promises this time. Every decision you make today affects our future. Do you understand that?"

"I do. I really do," she said between sniffles. "I'll change. I promise."

I helped her to her feet and stood up, walking directly to the closet where she knew my paddle was located.

Mary's eyes widened in fear. "No, please," she objected fearfully.

I ignored her plea and grabbed the heavy wooden paddle from the top shelf. "I'm going to make sure you never forget this lesson," I said firmly as I wiped the dust off the paddle. "Bend over the desk, Mary."

Mary's body went numb as she slowly obeyed. She bent over my desk, gripping the far edge tightly. I stood behind her, paddle in hand. "This is going to hurt, Mary. It's supposed to." I paused for a moment, allowing my words to sink in. "You need to understand the gravity of your actions."

Mary shuddered as I raised the paddle to her bare bottom. I took a moment to admire her body, displayed submissively over my desk. Her arms were raised above her head, her hands holding on to the edge of the desk. Her hair fell down the sides of her face, hiding her anxious expression. Her distress didn't go unnoticed, though, as my eyes wandered over her taut body, tensed and poised for the paddle.

I gently pushed down on her lower back, forcing her to form a perfect arch up to my waiting paddle. I lifted the paddle from her bottom and brought it down firmly with a heavy thud. She let out a cry I hadn't heard in a very long time--a guttural wail from deep inside her. I lifted the paddle again and watched her poor body tense up for another swat.

I brought the paddle down again with measured intensity, fully in control. She rose from the desk, crying out. "Maintain your position, Mary," I said sternly. I put my hand on her lower back again, fixing her arch to my satisfaction. As soon as she perfected her position again, I gave her another firm swat.

This time, she stayed down while her leg raised up from the floor. I waited for her to put her leg down and gave her another. Her shoulders shook as her tears flowed.

I sped up the pace. "This is for our future. (WHAM!) For every thoughtless purchase. (WHAM!) For every time you hid the evidence from me. (WHAM! WHAM!) For putting yourself above our relationship. (WHAM! WHAM! WHAM!) Do you understand, Mary?"

"Yes, sir. I understand," she cried out, her legs shaking.

I delivered a final firm swat, putting all my strength behind it. "I hope I never have to do this again."

"You won't," she squeaked through her cries. "I promise."

I set the paddle down on the desk and gently helped her to her feet. Turning her around, I embraced her tightly. "I hope not. This isn't easy for me either."

She cried softly into my chest. "I'm sorry. Thank you for making me understand."

I held her for a few more moments, then stepped back, holding her gaze with my eyes. "I love you," I said softly. "I always will, no matter what."

She nodded. "I know."

"You may get dressed now. It's almost time for bed."

We left the study together with a renewed sense of resolve and understanding. We did so well financially the next month that I was able to spoil her on our vacation. Our understanding and communication have greatly improved since.