As Mr admin saysif you have no choice to go ahead then make sure your hubby and you have written lots in your cover letter/s about how your budget together will be ok sowing outgoings now while your in phill for your hubby and also once your in the UK.
If you show them it will not affect you overall you might be ok.
As Mr Admin also says it maybe best to "Borrow " some money to make the account look ok. Does he have any family who can put some money in his account which can be returned once the application is over?
