My wife is using my credit card too much.
Monthly around 13K.

Everytime I confronted her the ending is always the same, I loose the argument and end up paying everything.

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Woah. That’s outrageous. Can you freeze the card and force a conversation? Y’all gotta get your budget straight.

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How much is that as percent of your take home income?

What's your agreement on splitting monthly bills? Does she have/can she get her own credit card? Are you at least getting points on it or something? Does she always pay it off or are you in a lot of debt now? Does she feel she can spend her own money freely? Does she make enough money on her own, or work at all? What's your monthly budget and did you discuss this together?

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People who live with housemates / have a garden. Does it get noisy / do you find people in the garden earlier than (we) finish, that distract you from your work?

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About to get about $10k from freelance. I have a full time job so my bills are already covered. Unsure how to split the $10k - got about $3k on credit cards to pay off, but no other debt. Should I throw the rest into savings? Buy some more stock (have a few $100 invested already)? Could do a bit of each of course but as I split it up it feels like less and less and like I'm not going to see substantial growth either way.

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