Elly, No need to worry so much at the moment, your ILR is a long way off and plenty of things will change.
So it seems you are both living from savings and from benefits that your hubby is entitled to. That's fine.
Did your husband lose his job through no fault of his own? he should be sure to keep all related paperwork.
He needs to also keep copies of all evidence to demonstrate that he is actively seeking employment.
Your hubby just needs to continue trying to secure employment, and the best you can do just now is to be calm and support his efforts.
As I mentioned before Elly, it's not an easy decision for UKBA to refuse ILR solely on financials. It will certainly require the decision to be agreed by a Senior Executive Officer or above.
