"Perhaps what I meant more is that’s I don’t think we are struggling for money, whereas he does - it’s about perception maybe."
On a £50k salary, you should be able to buy a sandwich from Pret without struggling. The trouble is, it's £50k between 2 adults. It's £50k between 4 people!
"I just think that if he’s that desperate for more money, he could look for another job. But he is very set in his ways and even though he was offered a better job a couple of years ago, he decided he didn’t want the stress of it."
He's already stressed - he wouldn't be waking you up at 3am if he wasn't. And you think the solution is for him to make himself more stressed? You do realise every human being has a breaking point? And when they break, they can't earn any money?
Why must the solution be that he earns more money? Why can't you? You have a degree behind you. You're certainly capable of it. Why must it be him to always carry this burden of responsibility?
"He has been on at me about my earnings for a very long time. I feel it is something to berate me about, rather than a genuine concern about providing."
It sounds like you either don't believe how he feels, or you don't know. Have you ever had an honest conversation at a normal time of day and tried to understand how the other person is feeling?
"Also I fully intend to increase my hours in the next few years, I just don’t appreciate being blamed for his perceived ‘poverty’."
But you are the reason he has less money.
You're a household, he's earning £50k and you're earning £8k. If he was earning £50k and you were earning £16k, there would be more left over. Regardless of how you split the extra £8k, he would still have some additional spending money/savings.
You're earning less per hour than him because you've chosen to do a job you enjoy. Generally, the more you like your job, the lower it tends to pay...
You don't seem willing to change. And the sad thing is, if you don't, then something has got to give. He may have a breakdown. He may divorce you. He may have an affair and then you divorce him. You can't possibly expect to continue the way things are and expect your marriage to survive. He's warning you he's unhappy. Listen to that warning.
"I’m afraid I should not have started this thread as my mental health is not good enough to cope with the roasting I’m getting"
What about his mental health, doing a full time job that is keeping him up at night?
It really doesn't sound like you're a partnership, and it doesn't sound like you want to be.