Am a regular who has namechanged. Basically I am an complete and utter idiot, I am a SAHM with 4 DCs under 10. DP and I have been together for years and years. I always had a little bit on my credit card, then the bank increased my overdraft and I ran that up so stupidly decided to pay it off with the credit card, cue vicious cycle of running short every month and having to borrow from the credit card. I thought I could handle it and pay it off before DP found out or at least pay some of it off.
I never spent it on crazy things for myself, just bills, extra shopping, stuff for the kids etc. DP gives me a regular amount into my bank account but until recently if we spent something or went somewhere I would have to pay half which is fine. He got a really good promotion 8 months ago but I didn't see any of the money but what he did do was start to pay for more so instead of 50/50 it was more like 20/80 him paying for the extras.
So I thought the debt was about 3K but found out a few weeks ago it was actually 4,200 
I told him last night about it. He immediately set out and payed the card and my overdraft off with our savings (earmarked for a house extension) and I told him to take all my cards and from now on he will be completely responsible for the household expenses, just to give me £30 a week for sundries etc.
I feel so guilty and crap about it all, he keeps asking me why didn't I tell him when it was 1K, 2K etc but I was scared to as he is so anal with money. I said to him that I would understand if he wanted us to spilt up, I cannot go on like this, it's taken a toll on my health, I have panic attacks, cannot sleep, cannot eat, stressed everytime I spend something etc.
So this morning he said he couldn't be in the same house as me as he needed to think so I went out for the day, just walked and walked. I've come home and now he says he needs to go out and talk to someone as he cannot get his head around it.
He also has a drinking problem, has been on top of it for years, he's a binge drinker and once he starts he cannot stop, can go on binges for days and has also been convicted of drink driving 3 times, I've stood by him all these times and in general things have gotten a lot better. He had a drink last night and now he's gone out he's definitely going to get hammered tonight. Thankfully he's not taken the car.
I know I have done wrong, I'm a total idiot and I should have told him ages ago. We're not on the breadline he has a good job and since his promotion he's been saying about how much free cash we have :S I just don't know what to do now.
Thanks for listening I haven't told anyone in RL any of this I am too ashamed. I am so down about this and I don't know what I would do if it weren't for the DCs.