Married, no combined bank accounts

[Winniethepig]

I have been married for 8 years, we have two kids. Basically we have the following financial set up:

My account - pay goes in, child care fees goes out, share of mortgage goes out. Then whats left over I can save or spend which isn't much £350

Joint Account: exact expenses go in. Food, mortgage, bills

His account: Pay goes in, his contributes £900 to childcare, the rest I have no clue about.

I asked him last night about combining our finances which he flat out refused he just said if I needed more money, I should ask him for more.

Is this common? I earn more but contribute more.

We have always had separate accounts with different banks, I wouldn't want all the money in the same bank, DH earned more so sometimes used to put extra in my account but I have just had an inheritance into my bank account so have more now so it will be my turn to pay extra for things, seems to work fine.

OP, I'm guessing you pay a load in childcare each month which is what's sapping your income. Work out what you should each be paying in proportion to salary and pay that into your joint account and then pay out from there. How much longer have you got to pay for childcare?