Advice needed please and this is a long one - sorry. My oh and I have been together for 18 years, married for 11 and have a 7 yr old ds. For most of the latter part of the marriage I have been unhappy, we have been to Relate twice, most recently early last year. The problems stem from my oh's reluctance to take responsibility for anything, help out around the house and generally be a supportive partner. Our ds has seen us arguing on numerous occasions. We hit a sticky patch a couple of years ago when I wanted another baby and he refused point blank (we are both early 40s). We ended up going to Relate about it. We did end up getting on better, deciding to move house and then he owned up that he was £17K in debt with credit cards going back to before we were married. He begged me to stay with him and go through with the house sale (paying off his debt) and buying our 'dream home', promising he would change, this would be a new start and he would take responsibility for our finances (that sounds so ridiculous now, why would I trust him with our finances when he was in so much debt?!). Anyway, that was 15 months ago, we bought the house but he has never knuckled down and got on with the finances, or done much around the house. I nagged him to do the finances this week, and he has found out we are overdrawn by £1600, and still have bills to pay. This feels a bit like the last straw to me. I feel like I have given him so many chances over the years, and he has always disappointed me. I fantasis about having a strong man who will look after me and support me. A couple of weeks ago (before the latest finance fiasco) I decided I would find out whether I would be able to afford my own home etc, contacted my financial advisor and it turns out I could afford a decent home - I would have to work full-time (am part time now, also doing a part time degree). My main reaction to that was excitement - it would be my own house, I wouldn't have to pick up after him, I could have my own choice of furniture etc. So more and more I have seriously thought about asking him for a separation. I am very worried though about the effect it would have on our son (who would live with me), about whether I could actually afford to do it and also feel scared about actually verbalising my feelings to my oh, as well as hurting his feelings. Four days ago I was convinced I should ask him to leave, now I'm not so sure. I have exams in May and we have a week away booked at the end of May, but I don't know if I can play happy families until after then , and I don't think it's fair on any of us. Plus, it's not a brilliant time to be selling a house (we would have to sell it, neither of us could afford it on our own). On top of this I think I am depressed (have been there before) and I am under a lot of stress at work which I have talked to my boss about. Also, for some reason he has started to be more considerate around the house, doing stuff I wish he had been doing all along, in the last couple of weeks or so. My mum was unhappy all her married life, I don't want to be the same. I am in my early 40's, pretty sad that I only had one child and wondering how long I can stay in an unhappy relationship. If it wasn't for ds we would have split up a long time ago.
I just don't know what to do, and can't understand why I am absolutely convinced one minute that we should end it, and then the next day not sure. Thing is, how do you know when it's time to end it? I am sure some of you will think 'talk to him' or 'go back to Relate' but I just don't feel I want to do that. How many times can you try to repair something before you finally admit its never going to work?
Any advice gratefully accepted. I can't log on here frequently as he will suspect (he's popped out for half an hour now) but I will log back in when I can. Thank you for reading this far.