Ms. H, How are you? You great, except for school the added stress from the xh. Sounds to me like he's spending money he's not received yet.
As for the trips, the extra things he's doing for the kids....credit cards and loans can provide wonderful things, but at the end of the term...he's got to pay up in full w/interest. Trust me, when it's all said and done, you will make out financially because you know how to watch a dollar and not spend like there is not tomorrow.
If you should buy your xh, you will need to stipulate that he is never to just walk in...doorbell is to be rung or knock on the door. He is not to enter unless invited, etc. He will be a guest, not someone who had lived there if you opt to go the route of purchasing the house. Boundaries will definitely need to be set w/this man.
Hang in there....there is truly light at the end of the tunnel.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.