Hi THA I am in a similar position. H is 38. I am 34. We do not have children which makes it a bit easier on me each day.
I am also dealing with an OW and the waffling that your H is demonstrating. One minute you feel like they are back and the next...you are sitting across from a complete stranger. My H is seeing an IC right now. We believe he is suffering from something- just not sure if it is just depression or something else. With all of the financial issues you are having..I am sure that your H is depressed over this. I don't know if your H's erratic behavior is caused by depression or because he is still continuing his A with the OW... or possibly a combination of both.
My H would cry and want to come back and then be distant. His IC told him that he is unahppy in his life...and to not place blame on his marriage or me. I would stop blaming yourself. Nobody is perfect in a marriage....and nothing you have done warrants your H to break his commitment and have an A. It is cowardly and immature. Stop trying to make up for your past mistakes...I have been getting some good advice on here.. on my post and reading others...I think some tough love may be in order.
He knows he has you..when you show some signs of detachment...he sucks you right back in again. I think you need to hold your ground...no threats..no divorce papers..just try to stay with little contact. Whether his A is still going on or if there is something else happening here...I don't know. But he will continue this waffling for as long as YOU let him.
I think he totally is.. he needs financial support.. it's something that's been badgered into his head.. I guess from seeing his parents go through it. He feels that without it, nothing else matters.
As for the OW, she is pregnant with her fiance's child.. they were engaged in December. She has blocked us both from FB as well.. I have his PC monitored through keylogger and the cell phone is in my name and there has been no contact.. my gut hasn't given me any indication that he's back to it either but again, who ever truly knows...
Thanks for the advice! I need to hear it!
M: 32 H: 34 S:5 D: 3 D: 1 Together 11 years Married 7 Bomb: PA/EA 8/13/09 (for 1 year on and off) ILYBINILWY: 08/09
"The end of suffering happens with the end of wanting." -Laura Munson