I had my husbands spuse visa declined based on my financess.
They take into account your rent, your bills i.e. food, electric, etc and then they work out if your earings per month can support you and your partner.
My husband was refused purely becasue my outgoings were more then my ingoings although i had savings etc.
You need to be really careful on this subject.
Go to
http://www.ukvisas.gov.uk/en/ecg/chapter9/ And it will tell you about what they mean when they say 'should not need to access public funds'
I have done a budget to show how much i earn and my bills etc and showing my disposable income at the end of each month