H and I live in a rented property. We have 2 kids. No real assets apart from pension. Loads of debt but separate debt. I have a loan and he has a credit card. After 16 years together it seems impossible to separate things out. I pay some of his direct debits and he pays some of mine. He's left the family home but I'm not sure what I need to do and when. We also have a joint claim for UC. Although. He earns approx 40k. Any advice would be helpful. We havenr even yold the kids yet.