My husband and I now have three accounts. One is a joint account only for bills, one is mine and my daughter's (that he doesn't know about) and one is his. We depost all money into the joint account and after the bills are paid, I save 10% and then distribute the extra money evenly into the other accounts. That way we both have some "fun" money.
I think, even if you are saving money, you and your husband should each have an "allowance". It's important to have fun, but your husband has to understand how much a baby actually costs.
Why don't you look online about the prices of formula, diapers, wipes, ect. things you will need to buy every month and show that to him, and then show him the list of things you need to buy for the baby, such as a crib, a high chair and baby clothes. Maybe if he sees these things he will understand why you get so worried about money.
Best of luck.

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