Money issues are always tough. H could be in denial about the money. (Not that I want to make excuses for sweetie, haha) In an earlier post you mentioned bankruptcy. Have you considered a credit counceling service? Not the flim-flam types, but CCCS or the like?
Even if H won't go, I would suggest that you do if for no other reason than to allow CCCS to set your budgets. This will give you sound ammunition in discussions with hubby on what and how money can be spent.
