Ladybug, I believe a legal separation would sever joint financial obligations once the LS was in place. In other words, if you're still married and want to purchase a home, both spouses would need to sign the documentation, etc. When you're legally sep. you no longer have the financial ties. Gosh, that's a terrible explanation. I bet if you google it, you'll get something much more helpful!
I tend to agree with cat and Sara on the way your husband treats you. Not cool. NOT Christ like. I'm not a die hard Christian, but I know what it means to do unto others and your h hasn't been treating you with kindness, respect or civility. Blech. None of us are perfect, but you've done a great deal to try to keep your family intact. If your husband is too pig-headed to see his role in the demise of your marriage, then his huuuuuge loss. And, your children's huuuuuge loss, but you should feel good about your efforts.
My heart goes out to you. Hang in there, kiddo.
M: 37 H: 36 Married: Aug 13, 2004 Decision to Divorce: July 20, 2008 Reconciled: September 2008 Current: Ambivalence