Hi marga

As you know, unless you and your husband can meet or exceed the UKBA Financial Requirement then any application will fall for refusal.

Your husband needs to provide 6 months payslips and 6 months bank statements that clearly show the amounts indicated on the payslips.

From the information you've divulged it appears that your husband is in non-salaried employment.
For non-salaried employment in Category A the UKBA now allows for an annualised average to be calculated.

The calculation is like this:-

Total gross income from employment held throughout the 6 month period, divided by 6, then multiplied by 12

This then is the annualised average income from non-salaried employment that can be counted towards the Financial Requirement.

Here's an example using a total gross income from the addition of 6 payslips as £9350

9350 divided by 6 = £1558.33
1558.33 times 12 = £18700

Means the Financial Requirement is met.

Here's another example using a total gross income from the addition of 6 payslips as £9250

9250 divided by 6 = £1541.66
1541.66 times 12 = £18500

Means the Financial Requirement is NOT met

Make your own personal calculation and see how it stands up.

This is the UKBA latest method that allows income variability month to month

Hope this will help answer your worries