U say money is tight. D u know how much a D will cost u? Then money will be rly tight. If there is a crack in her armour like Karen states then u need to work it before the armour is even stronger - seriously, what r u waiting for.
I do understand re finance I am in the same boat and had to borrow the money. But its a few hundred as opposed to a few thousand that D will cost.
Also I expect ur individual counselling is focussed on u and how ur r dealing with sitch as opposed to working on the M. Does that make sense?