I am a single Mom of one great little boy…but what comes with that great little boy, are great expenses. I understand exactly where you are coming from. I sometimes ask myself the same things your husband asks you. I finally sat down and put it all on paper in black and white. I took 2 months and wrote down every single expense I had/have. Down to a pack of gum, just to see where it all goes.
It is amazing! You get tired of writing it all down, but a couple of things happened for me. I started paying a lot closer attention to the outgo and realized it would exceed my income before the 17th or 18th.
By month two, I made it to the 27th. Yeah for me!!! That little experiment helped me a great deal. Maybe you could make a list for your husband and you BOTH try this for 2 or 3 months. This might open his eyes a little bit. Im sorry you sound so frustrated. Like I said, I know where you are coming from 100%. You will be fine.