Why can't he sell the timeshare? There are people out there that would be interested in it. Also, does he have written proof that he brought the money that is currently locked down into the marriage? If he has written proof of this, he may very well have a very good argument about who it belongs to regardless of it being put into a joint account. Was it an inheritance or something else? You don't have to go into specifics.
You are going to be okay no matter what happens. You will need to start shopping more wisely and if need be, once your son is off to college, if he goes away, you can rent out a room if it comes to that. There are so many things you can do to help yourself financially...you just have to breathe, step back and not allow fear to drive your bus. I know how you feel, I was bouncing all over the place when my xh left, but I had to put the brakes on the fear and start figuring out how I was going to make ends meet. My xh left me with $13,000 worth of debt and he refused to pay any of the joint debt that he helped incur. I cut corners, I worked a lot of overtime and I doubled up on payments whenever I could. It took me about a year to clear the debt and I'm glad that it is all behind me. Meanwhile, while I was trying to clear the credit card debit, my xh was out there attempting to use the joint cards, but I had reported them lost and had the balances placed on a new card so that I could ensure he didn't run them up on the old cards.
At some point, you need to sit down and make a list of your expenditures, take a look at what you actually use and don't use and begin cutting them down to only what you need once your son is off to college.
You have nothing to fear but fear itself. Trust me, once you kick fear to the curb, you will be just fine.
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.
