Sorry for the delayed response.
Your refusal has a few issues:
Firstly, accommodation. The fact that you have submitted evidence that you will be sharing accommodation is not a reasonable ground to refuse. In the case of Mahad, the Court decided that 3rd Party Support should not be ignored.
Provided you have at least a room which you both have exclusive use of within a property, this would be sufficient to show that you have the means to accommodate yourselves without recourse to public funds.
Secondly, the issue of the subsisting marriage. In the case of GA Ghana, the court stated that the issue of a substance of a marriage would be looked at and provided the parties could show that there was indeed a genuine relationship, which was continuing, this would be sufficient. Thus, in addition to your travel itinerary and copy stamps in your passport, I suggest you submit any emails or telephone bills which show that you have maintained contact with your spouse.
Thirdly, Income. As you are self employed, you would generally require an accountants report. If you do not have an accountant, I would suggest submitting you business accounts along with an affidavit stating that you have exclusive access to the funds contained within the business account.
An alternative would be to request your family members to become joint sponsors with you.
Finally, the issue of Article 8 Human Rights. In the case of Razgar, Lord Bingham identified 5 questions that should be addressed in order to determine whether a decision breaches Article 8. They are:
1. Will the proposed removal be an interference by a public authority with the exercise of the applicant's right to respect for his private or family life.
2. If so, will such interference have consequences of such gravity as potentially to engage the operation of Article 8?
3. If so, is such interference in accordance with the law?
4. If so, is such interference necessary in a democratic society in the interests of national security, public safety or the economic well-being of the country, for the prevention of disorder or crime, for the protection of health or morals, or for the protection of the rights and freedoms of others.
5. If so, is such interference proportionate to the legitimate public end sought to be achieved.
If you can address all of the points above in your appeal and the documents submitted as part of the appeal, I am of the opinion that you have a good chance at success.
If you wish to discuss, please feel free to ask further questions.