Have you talked about having a joint account just to save up? As you both have your own expenses, I think it could be possible to save, say 100pounds each a month and by the end of the year you'll have 2400 pounds to put towards your life together (say kids, appartement or whatever)... He must have other expenses such as food, electricity, water, rubbish tax, car, telephone / mobil, etc so asking him for more is too much but the 100 pound (or whatever reasonable amount) requieres compromise but not too much sacrifice at the moment as you both have debts... How do you feel about that?