As the article points out, talking is the best solution for any kind of problem resolution. But if it does not work, and your husband refuses to have a joint account, then you can use up your salary or atleast a major chunk of your salary for savings while you can ask your husband to manage the monthly household expenses. That way, part of his salary is utilized for the house while the remaning he is free to spend as he wants and you can also be happy that not all the money is spent lavishly.
