I know you said you can't afford a therapist or couples counseling but maybe you could find someone who works on a sliding fee scale. Does your or her employer provide EAP? That's another possible route. Sometimes churches offer counseling as well. So far, it seems your wife has some mental health issues that need to be worked on and she is wanting you to share the blame in her behavior for what reason? What have you done if anything? I'm sorry you're in such a position and wish you luck in working it out.