I want to point something out. I could be way off base, but it is something I see. Why in the world are you expecting your husband to change and be responsible? You are expecting him to care about something he has never had to deal with (your finances). Then you talk about your parents possibly bailing you out. From a soon to be single mom of 3 who put herself through nursing school while working fulltime at Wal-Mart, get a job and take control of the finances that you are giving your irresponsible spouse control over. You can't control anyone but yourself, your actions, and your reactions. BE THE CHANGE YOU WANT TO SEE! Stop complaining about what he isn't doing and you DO something!! One of my fave expressions, Put on your big girl panties and deal with it!!! You can do this! You just have to believe in yourself and want it bad enough.
I hear you and believe me I have had moments of wanting to just move into a tiny place and do ANYTHING to make my own money.
But, IF I can get out of this with some money and IF my parents can help just to get over the hump (if necessary) of moving etc so that we can have some degree of comfort and a smoother transition for the boys, I will take it. I have a dear friend who D'd her H, her parents did help her with the transition and she has since become self-sufficient and works her butt off. I do not need to make this worse than it is.
And, I have to assume you were a bit younger when you forayed into single motherhood, my point being that at 37, IF I can cultivate something a little more fulfilling, seeing as I spent 14 years helping H and being about him, I would like to. I waited tables for years in my youth and I will do what I have to but IF I can get on more stable ground I would like to.
Putting on my big girl panties has to happen for sure. I don't think I have to go get a job at Walmart to qualify as doing that.
BTW- I admire you for your perseverance and, of course, when it comes to my kids, I will do whatever I have to do.