Can I Please Get Some Opinion With My Budget?

I know this is not r/personalfinance, but I thought I'd get more localized opinions here. If this post is not appropriate, my apologies in advance to everyone. I don't have any parent who I can ask about this, so I'm hoping I can hear from everyone here. I have a wife and a three years old daughter, and I feel lost. Yesterday, I found that my wife amassed 10K debt on the credit card after draining all her savings for the past year since I let her handle the housing budget. (I still take care of retirement savings, home maintenance, tax payments, etc. but I wanted my wife to have some financial role and responsibility in the household, so I handed it over to her.) I periodically checked in and knew that her balance was dropping, but she always said that she'll try harder and she'd handle it. I tried very hard to trust her in the course but I'm at the point that I can't anymore and it's hard to breathe at night.

Today, I told her that it's time to get rid of the credit card and use the debit card, but she said she'd like to try for three more months with weekly budgeting and paying the used amount off weekly, and be more vigilant in spending (She doesn't want to lose the 2% cashback). So I said ok, but only for three more months, and go debit card if it doesn't work.

But I don't know whether I'm being unfair here and I'm not giving her enough money to spend around for everything. I take care of retirement savings and pay most of the regular expenses and give her ~$1,500 per month. She had been spending about ~$2,810 per month on average. Nothing on crazy stuff, but food, baby stuff, eating out with family, etc. She just never said no to anything I proposed and I take responsibility for that too.

My monthly budget right now is:

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• Gross Income: $7,386.97 (Salary and VA disability compensation. My wife is a stay-home mom learning English from a local community college.)
• Employer Deductions and Tax: $1,065.54 (Health, Dental, Vision, Cancer, Disability Insurance)
• Retirement Savings: $381.34
• Other Savings: $1,318.40 (Includes saving for the next car, home maintenance such as next roof, daughter's college and wedding, etc.)
• Cars are paid off.
• Housing: $1,566.13 (Includes mortgage, property tax, homeowner's insurance, flood insurance, and gas bill)
• Misc Fixed Expenses: $454.68 (Includes Auto Insurance for two cars, Life Insurance, Hospital Accident Insurance)
• Monthly Transfer to wife: $2,500.00
  • Includes fixed monthly expense of:
  • Quarterly Pest and Termite Control: $52.81
  • Internet: $85.45
  • 2 cellphones: $83.00
  • Pet care plan: $89.33
  • Pet insurance: $58.09
  • Generator maintenance: $37.00
  • Garbage can cleaning service: $20.00
  • Water bill: $80.20 at most
  • Lawn mowing: $60.00
  • Electric bill: $~140
  • Paid weekly PT and gym membership for two: $288.00
  • Disposable budget of ~$1,500 (I expected to save $200 a month for emergency savings, auto maintenance and future medical bills on her end… now I'm not so sure)
• "Buffer" Budget: $100.87 (Considering increasing money to wife to $2,600)
• Gives all tax refunds and 3rd paychecks to wife (happens twice a year for about $1,800)

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I'd sincerely appreciate any tip and opinion here. I know I try to save ~23% of myself only. Please comment if you see anything unreasonable and too frugal. Is this a good budget that I can expect my wife to live within without being unfair to her? My daughter's going to daycare soon, and I'm planning to pay that from savings since I don't see it coming out from this monthly budget.

Thank you and Happy New Year, everyone!