My husband has always been a bit of a control freak where money is concerned. When we first married we had separate accounts and shared the household costs, it’s so long ago that I can’t remember how we divided it up. However after I left work to bring up children, at my suggestion we got a joint account. Obviously with only one earner in the household and a large mortgage, money was tight. At that point I had a lot of flack from him about spending money. I knew money was tight so I was very careful but he still queried everything I spent, he monitored carefully how much we spent on electricity, gas, telephone etc. If I wrote a check (no credit cards then) he wanted to know what it was for. We had many arguments over money I can tell you. None the less I was extremely careful about what/how I spent because I knew how tight money was. Eventually, after ten years I went back to full time work. Immediately he wanted to revert to separate bank accounts because he earned a great deal more than I did, and he wanted us to share expenses. I refused on the grounds that this was simply a way of controlling me and limiting my spending. We had a few arguments over that but I never gave way. I was sharing my money with him and felt he should share his with me. But I did pay for driving lessons and learnt to drive which we’d not been able to afford before. He didn’t like my driving instructor (I’ve no idea why) and complained incessantly about him, and I should have passed my test by now blah blah blah. I ignored him. When I passed my test he very happily helped me choose my first car.
We has regular arguments about money, but I paid my way, sharing my money with him, helping through the shared account to buy our house, holidays, pay children’s school and university fees, buy food etc. Now we are retired, we still have our shared account, we still share expenses, and he still has a pension more than twice mine. Plus both our state pensions (and even that is ten pounds a week bigger than mine, because he just went into the new scheme, and I missed out on it by exactly three weeks!) and everything goes into the joint account. We have other accounts ISAs, and others for savings etc. I still have regular nagging, I apparently spend too much, and want too many holidays. We have occasional arguments about money where he still wants us to have separate accounts, because he knows I would have far less than him every month. Sometimes as a result of these arguments he sulks for a few days, but I let him get on with it.
The thing is, I know in some ways he is selfish, but I’m not perfect either. Overall, he’s been a good husband and an excellent father. He can’t do enough for his children and grandchildren. He has always been quite generous with gifts for me at birthdays and Christmas. He looks after the garden, house maintenance, car maintenance (mine and his, and our children’s too) helps with household cleaning, cooks, does a massive amount for my elderly mother, fixes things in our children’s houses, and loves his family. His ‘thing’ is money, I have had to stand up to him and assert myself for our whole marriage over money, but I just think everyone has their faults.
So I would say to the OP please, please, stand up to your husband, sometimes it leads to some unpleasantness, but you cannot allow yourself to be dominated in such a way. There are many useful suggestions on here for how you could go forward, choose one of them, and stick to it, no matter how unpleasant he may be. You must be able to spend money and have some independence. Good luck.