well, you don't state wether you work or not....I am assuming you do or you wouldn't be talking about being finacially independant. If you do indeed have a job outside of the home... you need to, in fact, open up an account of your own.....and have your paycheque automatically credited to that account. There is nothing your husband can do about it. Then you have his attention and some bargaining power.
My husband's pay direct deposits into his personal account. He pays all of the household bills.
We have a joint account that he deposits grocery money from each pay. (An amount that we had both agreed on)
My paycheque auto deposits into my personal account. I buy the extra's for the house, decorating or just things that I feel are needed. I buy the kids clothes as needed. If the kids need money for school or activities....I pay.
My husband pays for any gifts for his side of the family....however I shop for the gifts. I pay for any gifts for my side, and also shop for them.
We each have our own credit cards, and we are each responsible for our own payments.
We decide together on big items for the house and we may pool our funds if an appliance needs replaced or something.
By running the house on one paycheque, it sort of keeps us from living above our means. If he became ill and couldn't work for awhile....my cheque and his insurance would keep us going.
If I got sick...it really would only affect the amount of extra's we could afford.
We both put money toward vacation's....(the TWO we've ever taken that is).
This method has worked for us throughout our 27 years together. Nobody complaining about money being spent by the other. If I can afford something for myself...I just buy it. If the hubby comes home with new tools or something....I do not care.
We have divided up the house chores. We each have specific rooms we are each responsible for. However, unless things get out of control, we do not harp on each other about how well it is kept up. His area, his problem.
If I invite people for dinner....I do all the preparations. If he does the inviting he does all the prep.
If it is people from both sides of the family over....we both prep.
Money problems are likely the most common relationship busters. You should have as much say as he about the finances. If he is using finances to hold power over you.....well ya have more problems than just money.
Approval? Are you his wife or daughter?
.