@Anxiousmummy2020
Now I'm going to say something slightly different to all those convincing you to split up.
I don't disagree with him that you should when not working on furlough, being primarily responsible for the children and housework.
However, him not participating in any family activities is an issue. Or not sharing the load when he's not working/sleeping.
The Airbnb option, really would only have a direct impact if you left the children at home. And I would imagine that you wouldn't do that!
With regards your feeling like a lone parent, I think you do need to realise that though it may not feel like it, the reality of being a lone parent is very different! Noone else who shares the responsibility if there's an issue, who manages the finances etc, though this in your case seems as though you've had a financial issue too with the joint account. But being a lone parent means when the boiler breaks etc, you're entirely responsible for it! Totally different ball game.
But some other things to bear in mind:
*,You sound as though you maybe depressed and that maybe resolving this would help everything seem clearer. You may still decide to part but you may also decide its worth working at.
*You'd be entitled to uc on an income of £900 a month.
*Your oh wouldn't have to have the children overnight or at all, and may well cancel etc to inconvenience you last minute.
*You'll be portrayed as the bad guy by the sounds of it.
*He wouldn't be liable to pay ANY childcare costs. But you couldclaim 85%of the costs via uc. Equally, he could then argue that he should have the children if you use the cc as a preference - to reduce maintenance and piss you off.
*There's always a risk that if he becomes fun dad, which many manage when separated, that the children woukd want to live with him.
*You'd have to accept that shared occasions will always be shared. You may never guarantee that you'll spend birthdays, Christmas etc with them, or it's alternated etc. I know of one mum when they have repeated court orders where he's managed to end up getting it altered and she's lost out on these occasions for 4 years in a row and expects that again when its her turn this year this will happen again . Rare but happens.
*You and the children would never have the standard of living you currently have, unless you manage to move to a much higher salaried work? With the stress this will bring.
Personally, in your scenario, I'd arrange to speak with him, when you're not rushed or going to be interrupted, putting children to bed etc. Discuss the reality, that he'd pay maintenance, lose over half the equity, savings etc, have only eow contact etc.
State what you'd need to see to recover from this. And likewise he needs to say what he'd like to see. If neither can compromise then that's your answer, but if you can, it's worth a shot. Remember, lockdown is practically over, it's the summer holidays and school starts in7. 5 weeks for all including the shielding children. So maybe this conversation is needed now and then needs to run until say end of September to give it a fair shot?
Lockdown has been hard on many and you maybe feeling the effects.
I've been shielding and it's hard....