Before I was forced to give up work, I found the more money there was in the pot, the more we spent. I live on a quarter of what I did when I was working.
If you have always had money and not had to worry about it, it's not easy to keep that money in the bank.
Somtetimes a shock tactic is often what can bring things into perspective. Sit down and write down all your outgoings then add a sensible amount for food. syphon the remander of the money into another account that needs dual signatures. This does two things. One, you will find out whether or not you can restrain yourselves and two, you'll get to see just how much money you're usually frittering away. It might just get you on the frugal train if you see how much you waste.