Alan,
Firstly sorry for the delay in responding.
I'm sorry you're experiencing a tough and frustrating situation at the moment.
Just based solely on the refusal letter you shared it seems to me that there's a large gap between what the UKBA are expecting as supporting evidence of funding/maintenance and the documentation you actually provided.
The very first thing you need to ask yourself is whether or not the decision was right. Did you meet supply the required supporting documentary evidence for funding/maintenance?
Sorry to be blunt but to me it seems not.
Now, if you are asserting that your appeal stand is right, then what action/preparations are you taking to support that?
If you do nothing then I'm afraid the decision will go against you.
Please be careful here. Normally, appeals will be based on the situation/evidence at the time of refusal. Most judges will not allow new 'post decision' evidence, only careful explanation of the evidence that was previously presented.
Alan, be prepared for the possibility that completely new documentary evidence may be disregarded even if you do present it or take it with you.
However, always think positive and at least try to get new information to be accepted.
Think about keeping it simple and presenting at least 3 months bank statements and 3 months pay-slips together with savings etc. Try to avoid complex budgets and accounts. If you do need evidence from accountants be sure this evidence is properly presented and notarised.
You don't say if you will represent yourself or if you will hire specialist representation.
If you intend to 'go-it-alone' then it might help if you could attend at least one hearing as a member of the public just to help you understand what goes on and how they work.
Daily court lists for HM Courts & Tribunals Service can be found here.
Just find one near to where you live.
If you are considering hiring an immigration lawyer you need to weigh up whether the cost of re-applying for a spouse may be a better use of your hard earned money.
Whichever way you decide to go I wish you good luck.