DH and I have had the policy since we moved in together that once a couple lives together married or not they both live there eat, use gas/electricity etc so all money has always been our money. We do have seperate accounts but have access to each others atm cards whenever we want them (not that theres any money on either this year!) But i just dont understand how couples live in the my money his/her money routine I can see where your frustrations would be coming from.
All you can do is tell him what you have told us and hope he is understanding or at least able to sit down and do a budget with you so he can see your money doesnt go very far and offer to help out more with money on your behalf (dont mean that he doesnt pay for anything by that i mean you having more access to money!)
Good luck!