OK I'll answer the specific question in a second but there seem to be pretty glaring issues of lack of trust and control here. If you, letter writer, are in this predicament I would seek some counseling immediately. There seems to be more to your letter than figuring out the tactical details of marital finance.
First, neither partner should "control" the finances. Couples who go into a marriage with remarkably different debt situations and assets certainly may have a case to handle those particular situations but for the most part, property ownership, bills and debt eventually become "ours." Both partners should have access to bank accounts, passwords to on-line accounts and debit cards, access to paper statements, access to whatever recordkeeping is done (e.g. finance software, spreadsheets, or a paper checkbook that is balanced) and a full understanding of the whole financial picture. There is no room for secrecy in marital finance. Partners who can't trust each other with finances have no business being married.
That said, it may make sense for one partner to handle most of the finances. In my marriage, that's one of my roles. I enjoy it, I'm good at it, I work in finance, and I make time for it. I pay all of the bills (even the ones in hubby's name), track our income and expenses and let him know how much of his paycheck I need every month. We have a joint checking account and individual checking accounts. We take our income, figure out each person's portion (usually 60/40 but sometimes 70/30) and then our total expenses and divide the expenses based on our income %. Whatever the difference is between each spouses income and expenses, he or she gets to spend (or save) freely. This works if the incomes are fairly even. When things get out of whack, we will move things around so that both of us have roughly the same amount of spending money, meaning the higher earner may be paying a higher portion of the bills that his or her salary but that seems equitable.
If there is something that we want to save for or a big purchase that we need to make, we decide that together. In our day-to-day finances, I move money pretty rapidly between the joint account and my account. My husband usually deposits his paycheck (minus his own spending money) into the joint account and spends out of his separate account. This prevents us from unknowingly hitting the same account on the same day and overdrawing.
If you and your husband are making ends meet and you can afford to save 10% of your salary, you should be able to do so. He should not be telling you what you can and cannot spend - those are decisions that you two should be making together, again, based on getting all of your bills paid first. You should have your own credit cards and credit history so that you don't have to worry about what would happen if he left you, and if that concern is top of mind for you, I really think you should talk to someone and find out whether or not your concerns are valid. My husband would be the first person to tell you that I "control" him and tell him what he can and cannot spend, but that's because he doesn't meet his obligations to cover his portion of our expenses (which he agreed to), spends more than he makes, and has little financial self-control so I have him on a short leash until our financial situation improves. Assuming that's not your situation, something sounds a little off in your financial scenario.
ETA: We (I) recently switched over to using Mint.com for our finances. All of our accounts (5 bank, 6 or 7 credit cards, 3 loans, our mortgage, my retirement and brokerage accounts, etc.) are all joined in our Mint portfolio and are updated automatically. I get a weekly financial summary that includes all account balances, fees paid, top transactions, etc. e-mailed to me and I forward that to hubby. He has the login and password for Mint so he can view the info but doesn't bother. He probably doesn't read the summaries either but it's a nice way to just say "hey FYI here's where we are this week." I've tried a lot of financial software (Quicken, Money) and this is by far the best that we've used.