First off, do you have children? If you do, it's in your best interest to try to make it work. The stress a divorce puts on them is not worth it. Plus the cost of a divorce including child custody is just out of control.

Second, you might need to have an open and honest heart to heart with him. I know that's hard to do, but the number one key to a good relationship is open communication. How a couple responds in time of crisis is a good indication of how they will work out. That being said, try talking to him, let him know you odn't want to fight but you just need to figure things out with him. Depending on his response, you might have a better idea if your marriage has a chance.

Good luck!

If you have lived in the same home for at least a year and held a job for the same period of time, you may qualify for small lines of credit with department stores and other businesses within your local community. Make sure these businesses report your account information with the three national credit bureaus or you will be wasting your time using their cards to build your credit.

The interest rates on many store cards may be higher than a typical credit card, so make sure to keep only a small balance on any of these cards you may have. It's often a good idea to avoid paying off your entire balance so you can build a repayment history for your fledgling credit report. As long as you don't max out your cards and make your required minimum monthly payments you'll be fine.

Another way to build credit is to take out a small loan from a local credit union or bank where you are a member. If you can avoid it, don't use the proceeds of the loan except to repay the debt. You will pay a small fee in interest but that's often a small price to pay for building your credit.

Once you've established a credit record and creditors can see you have no problems paying off your debt you may start receiving offers from major credit card companies. You could start getting all sorts of mail from Discover, Visa, MasterCard and even American Express.

Be careful about applying for too many lines of credit. Most lenders will check your credit history when you apply for credit and each inquiry is noted on your credit report for at least six months. Too many inquiries are a red flag to creditors that you may be financially unstable. Your best bet would be to apply for no more than one line of credit every six months. Read more about it at: http://www.credit-card-gallery.com/article/43,Many_Credit_Repair_Techniques_Can_be_Used_to_Build_Credit

If it was up to me, credit cards would either be eliminated altogether or they would have to be "prepaid" – deposit $$$$ to account and then get credit card – which would eliminate the huge debt that americans are building up.

People refinance their homes to buy expensive SUV's, payoff credit card debt, buy boats, etc.

When the crunch comes and banks start calling in those (unsecured) loans, a lot of people will go from rich to poor.

The only way to handle credit cards is to pay them off monthly and do not spend over your budget. That way you get a free loan for 30 or so days. If credit card companies strat charging interest from the tiome of purchase, I will stop using them and pay cash.