Please do not go to counselling with this abusive cunt! Seriously, it is very damaging for the victim of abuse to enter into counselling with their abuser. And im sorry to say that this is exactly what he is.
He has manipulated YOU into thinking that you are the problem, these people are clever, he would spin the counselling to his advantage too.
HE has totally caused this, HE made you unhappy to the point that you found solace in spending to provide a shell of a "happy family" with things. Things that you couldn't really afford :( NOW he has found out, he is pretending to be cross and "broken hearted" (yearh right, rightever) When really he is jumping for joy inside. This is because you have given him another stick with which to beat you - 1st it was your weight - your fault
now you can't be trusted with money 
This is not a relationship - you may as well be living under house arrest with him as your captor - threatening to tell the charity you work for
how DARE he.
But hey, at least he doesn't hit you - for now.
I am sorry to sound harsh but your DH is emotionally abusing you and now starting to abuse you with money, it is a recognised form of domestic abuse.
I really hope that you wake up to this soon and can rescue what is left of your self esteem and get this looser out of your life. Why did you spend on credit cards? Was it because he never allowed you any money anyway?