自愿离境、没有动用英国的钱我记得一般是一年内拒签的(见链接),但因为你有家庭因素,申请配偶签,不受这个一年拒签的限制。
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/270043/chapter62.pdf
Illegal entrants, those who breach a condition attached to their leave, and
those who overstay their lawful leave by more than 90 days, who leave the
UK voluntarily at their own expense are ordinarily subject to a mandatory one
year re-entry ban unless they are applying for entry clearance as a Family
Member (under Appendix FM of the immigration rules) or they were under 18
at the time of their most recent breach (as set out at paragraphs A320 and
320(7B) of the Immigration Rules).