Sorry if this is jumbled, I can think it all in my head, but getting it into words is harder!
My husband is odd with money. This is the crux of the problems. He wouldn't see that there are any problems. As far as he's concerned he pays "housekeeping" 
into the joint account & if I ask he'll put some more in there. He KNOWS I hate asking for money & I budget really well. Recently he put up the "housekeeping" by £50 a month. I am very aware that I don't may the mortgage/bills btw & aware we have no debts. So I am lucky in that respect.
On the money he gives I pay for everything for the 5 of us. I am quite frugal and I am not bothered by material things so in a way he doesn't realise how much real life costs. The last few months I've had heavy spends but I needed 2 full sets of uniform from scratch, 2 of the children had growth spurts & all 3 needed winter coats.
Due to new schools I have the extra expenses of school lunches daily, bus fares & extra diesel costs.
I don't have any money for me really. My clothes are tatty.
I really felt this on the weekend. We all went shopping. I got the children their winter clothes & a few bits of underwear they needed. DH spent over £200 on 2 jumpers & 2 shirts. He does his clothes from his own money btw.
I don't have enough money in my budget for anything for me.
On the drive there, DH was saying about the spending & then pointed out that my weekend away in July has been really expensive. It was £200 for me & the 3 kids. He was away with work & if he'd been around then he could have had the kids & I could have stayed with friends. As it is, I never ever do anything as I can't arrange anything due to his job & his travelling. Not to mention weekends taken up with sport when he is around. So this one time, I thought sod it, I'm going. I don't think he really liked that anyway but ffs, this weekend he's off ABROAD for a football game. Going early Sun & back late Weds. Also he's managed to arrange something without his work getting in the way.
Now, dh isn't stingy. It's hard to describe him really. If the kids need clothes, they get them & he wouldn't have me buying the clothes from cheap shops. Their clothes mainly come from Next, M&S or Debenhams. His clothes are labels with the odd basics from M&S/Debenhams.
He gave me £500 earlier in April. It's gone. Basically got some clothes for summer, jeans as all mine were wearing thin & got some creams/make up. Also if I went for lunch or something.
He earns a very good wage. But he can't wait for me to go back to work. I don't work now after having No3 as childcare would have wiped me out. I paid for childcare for the other 2 in the holidays. He says we will afford much more when I'm working. I was earning about £600pm. OK better than nothing but hardly pays the mortgage! He basically saved while I was working. He can still afford to save now btw. He is OBSESSED with saving. I appreciate he wants to save for university/old age but tbh it's at the expense of having a life now. Well, if I'm honest, it's only me that doesn't have a life. He does, he goes to football games etc...I feel bad "wanting" money as I'm taking away from my kids future.
To go back to the very start of our relationship, it was equal, we were both working & when we got the house we split the bills equally percentage wise from our wages. Then we moved abroad for his work. How naive (sp) I was. We didn't have a penny when we went over. We basically saved. All his salary when I worked & when I wasn't then we spent as little as possible. No joint accounts either. Stupidly.
We didn't have a joint account till I stopped work after dc3. I thought it would be a proper joint account but it's just an account he pays money in for me that he can keep an eye on.
Occasionally he gets voucher bonuses from work. He'll give me half but give me less housekeeping. This really annoys me but he can't see anything wrong with it.
He is hard to talk to as he has the knack of making me feel a bit stupid.
Our relationship is fine so long as I don't bring up the money issues. I did a few months ago & he said "oh you'd have us living out our older years in a council house" I was furious & really upset about that & then he claimed he was joking. I grew up in a council house btw.
I don't have expensive tastes at all. Labels mean nothing to me. I am a frugal cook. I got a sack of spuds on the weekend for £5.50. You know, I watch the pennies.
I keep all this buried & most of the time I am "happy". I feel jealous though after the weeekend. Childish I know but my kids & dh look fine & have lovely clothes. Mine get tatty & just get replaced when I can justify it.
I am sorry this is so long. I have to get this off my chest. My chest is really tight today.
Thank you for reading. Much appreciated.