Maybe you can try and find some financial counseling? Is that an option? They may be able to break up your payments so things are affordable for you.

I think being honest with your husband and working together to figure out solutions may help your stress levels. If you struggle with communicating with him now, look for a sliding-scale therapist who focuses on relationships.

I'm a really bad house-keeper, too. So is my boyfriend. If I lived in anything that was bigger then a 1 bedroom I'd be in trouble!