People saying I need to budget better, why doesn’t my DP?
People are using "you" in the plural. ie, you and your dh between you.....you know, working together like an adult couple.
It’s his money, it doesn’t go into my bank account, if I set up a budget I’m demanding what he does with his own money.
Of course it isn't his money. You are a family. As a couple you have taken the decision that it makes sense for one of you to stay at home while the dc are small as childcare costs would be more that you can earn, so therefore all money coming in to the house is family money, for you both to agree how to budget.
For me, and virtually every poster here, that means not throwing away perfectly good food, and not buying takeaways without having saved up over time so - if that is a real treat for you both - you can afford to buy it without having to borrow.
It also means talking about things like if he can afford to stay in a job that only pays minimum wage but is an hour's commute each way and costing a fortune in petrol....... if he is in a place where minimum wage is what he is able to earn, then are there not any jobs where a goodly chunk of that money doesn't get eaten up in traveling there ?
However all this is minor compared with you saying he is "still giving you the silent treatment" and you "will be expected to apologise" before that stops and that you couldn't intervene when he started feeding your 1 yr old McDs, even though you said you know it is wrong. This whole discussion on this thread seems like it is a small part of the main concern which is that you do not seem to be an equal partner in this relationship.