Hi stillin, DITTO what other posters wrote about changing router passwords, cancelling credit cards, and giving your wife choices but standing your ground. If you cannot get your wife to see a marriage (cult-exit) counselor with you, then you should go by yourself. A good counselor can help you to evaluate your situation and possibly help you to communicate better with your wife.
IMHO if your wife does not want to go to a marriage (cult-exit) counselor with you, then she does not care about you and your feelings. My ex-wife did not want to go to a marriage counselor with me when I thought our marriage was not going well. BTH way my wife and I argued a lot, but at least she was more financially responsible than your wife. We got a divorce, but it would have been cheaper to divorce her sooner verses later.
Peace be with you and everyone, who you love,
Robert