I am sorry in advance if this is all over the place, but my head is POUNDING and I truly don't know what to do anymore.
I am trying so hard to be optimistic.
My husband is having in my opinion, a mid life crisis. He acknowledges that he has changed but says it is all for his betterment.
He goes to happy hour and the gym 3-5 times weekly, comes home and is disconnected from me. He sits in the couch until he falls asleep then wakes up and goes to bed and the cycle begins again. At least 3 nights a week he doesn't get home until 8:30 the earliest.
I do all household chores. Dinner laundry cleaning etc. he doesn't do his things like bills, pool care, yard maintenance, appliance repair upkeep etc. he waits until these things are beyond repair and then complains about poor quality. When bills are late he complains when collectors call. Everything is someone else's problem. I will bring something to his attention and he dismisses it. If I bring it up more than once I am a nag. For years I let this behavior continue. Honestly in retrospect I have no good answer as to why.
I told him I resent him going out as much as he does and want some help around the house before it is either taken away or falls down. There is NO REASON for accounts to be behind and house to be falling down around us. A simple thing becomes a major problem because of lack of concern.
I started going to counseling. Was correctly advised(imo) to give husband deadlines that were workable and when that time passed hire someone. Oh I forgot to mention. He will NEVER hire anyone to do anything. They are all crooks! I spoke to husband he agreed! I also told him that when a bill collector had to call us for a payment i was going to pay it right then. He agreed!! Okay I am happy and we are on the right track. I told him that with the amount of time he is actually home it was impossible to do everything. He agreed.
Okay2 appliance deadlines passed -by weeks not days. I called a repairman. He went ballistic and canceled it. Gave Himself a new deadline. Passed weeks ago. He is attacking me saying I am demanding. Bill collectors called. I knew we had the money, I checked it first and paid. He went beyond ballistic.
I could go on and on but I am so physically ill that I have been sent home from work twice. I have serious stomach issues daily. I seriously feel like I am losing my mind. I have never been so sick in My life. I have told him actions speak louder than words and his response is that I am never happy. If you told me a year ago I would be in this situation I would never have believed it.
After 20+ years of marriage I really thought this was going to start to be a new awesome chapter in our lives. I don't really know what else to say but I don't know if I can see us together in a years time. I can't live like this. I am sure I am leaving things out but this is long enough!!!
get all your financial information in order and see a lawyer to understand your options and the debt. this will help you navigate going forth. are you sure he is not socking away money? sounds like he has been having an affair for years. Maybe his plan is to make the house a huge debt and then saddle you with it, or something to that effect.
And, pull credit reports on both of you. this could provide lots of information, including cards you do not know about, debt that is in your name, etc.
after that:if you do not separate right away (and it may not be best, for a lot of reasons)
take over all finances and bill paying. Consolidate debt if it is joint and you're paying high interest rates. Or separate debt to the extent possible, but get the financials under control. Figure out what your budget is, and where its going.. what are your large balances? a mortgage? credit card? cards? car payments, etc? Let us help you figure out how to deal with it.
Are you tracking cash expenses?
as far as interactions:
as long as you have the $, do not ask for permission to hire someone to fix things. Just do it and walk away.
do not ask for permission to hire a cleaning lady. Just do it, biweekly or monthly.
Make sure you are tracking his expenditures (cash withdrawals and credit card) to understand where $$ is going. If I were you, I would cancel joint credit cards, at this point.
stop doing his laundry and cooking. I would be neutral but firm. "As you have chosen to stay out late and neglect your obligations, I see no reason why I should continue to cook and clean for you."
Take care of your oldest child. Its a very stressful time for him/her. Try not to fight or demand that your husband be home, do his share, etc. Disengage emotionally from him.
you might want to figure out whether you need proof that he is having an affair, and what you might do with that information. talk with your therapist, but going out with his secretary most nights, coming home late 'disengaged' and fighting with you over money and not sustaining his role in any way in the family all point to him being completely removed from your marriage and home life.
Its possible that his midlife crisis will pass and he will return to his senses, but as long as you enable his behavior, or even tolerate it with complaining, it will not happen. And, if the affair has been years, then I would say there is no real marriage to return to.