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26west said:
HELP...

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Please discuss these problems with your counselor. And seek the advice of lawyer too. I agree, you need help! Please turn to these professionals quickly. You say you have tried talking to your husband about these problems. Turn elsewhere now.

If it were me, I might try one more time with my husband, just make one more request, just to make sure he really is getting the message that this is very serious. I would say, "I don't have enough money to pay all the bills and expenses. It would work better if we both put our paychecks into a joint checking account and paid our bills from there. Most married couples do it this way. Since our current system is not working, shall we try it? If we are spending too much money, shall we sit down together and work out a budget that will allow us to live within our means?" If he says no, I would hightail it for the lawyer's doorstep and get some legal advice. When you are married, your income and accounts are community property and I believe each spouse has legal rights to all accounts. I'm not sure your husband can keep you from his bank account. Your lawyer will know. Best of luck.