you've got 4 kids living with you both full time.....you're bringing them up as siblings.....they should ALL be subject to the same rules, boundaries and discipline within reason.
You're married......ALL money is FAMILY money and you should have the same access to those funds.
This set up isn't fair on you or your dc, and neither does this marriage sound like a partnership.
You're running TWO households under one roof instead of ONE.
What was the point in getting married and moving in together with your dc?
The current set up is all in his favour - he earns a hell of a lot more than you but only contributes 50% of bills.....you both should be paying in proportion to your earnings - otherwise one person is always going to be out of pocket/skint/can't afford the same lifestyle as their spouse....
He also gets the benefits of a live in sex partner, a housekeeper and childcare for his dc for FREE....
He knew you and your dc came as a package, so why do you 3 now have to live like the 'poor relatives' in your own home?
When it comes to benefits, school meals, uni fees, tax credits etc it's your JOINT income that is used for calculations - not individual.
If you lost your job you wouldn't qualify for out-of-work benefits as they would expect your husband to provide for you.
Your dc will be the ones negatively impacted by these rules - because under your current set up he won't pay towards their school/uni costs.
Does your H understand all this?
I bet he does....but for some reason he doesn't want to share his money with you or your dc - it' all belongs to him apparently.
This whole relationship/marriage set up only works for and benefits him and his dc - when it should be for the benefit of you ALL.
I suggest you seek advice from W.A or C.A.B on how your finances are affected by this marriage & what is 'appropriate'......so far you're constantly making a 'loss' whilst he makes 'profit'.
Sorry if it sounds business like, but that's what i see happening here.
It's sounds more like a business arrangement than a partnership.