Don't make this a bigger issue than it needs to be. You will drive yourself crazy if you do.
You don't need to explain why you are doing something. Inform and do it. IMO the e-mail is too wordy.
H: I have decided to deposit my paycheck into a separate acct and take over the payment of the bills. I am in the process of streamlining my accts. I will deposit xxxx bi-weekly to cover joint bills. Please continue to deposit 250.00 per wk. for debt repayments.
That is all you need to say. IMO the "thanks for understanding" says you feel he won't understand and it makes you sound fearful. You don't need to smooth over his ruffled feathers (if he has any) for protecting yourself financially.
