First of all, let me tell you I have been very unhappy in a marriage and I feel for you (although I had different issues). I contemplated divorce. But then we went to Marriage Encounter (a weekend) and I left the weekend actually HAPPY and it is totally different today. I am SO glad I didn't get a divorce! I encourage you to try everything to work it out...now I want to be clear, this does not mean that you should be a doormat and take everything your husband dishes out, not at all.
It sounds like your self esteem is very low, and whether it is from your husband's actions or not, that is something only YOU can work on. I have also been in an abusive relationship (not married, thankfully) where my self esteem started to go down; however, it must have been low already or I would not have allowed this man to treat me this way, but that's another story! It is very isolating to be home alone with the kids all day, so it's understandable that you would be feeling depressed. At any rate, I would encourage you to get individual counseling first and then decide what is the best thing to do. You might be surprised that YOU changing will change your husband. The solution might be to move out (not necessarily getting a divorce) in order to "wake him up" so to speak. As a way of eventually saving your marriage, I mean. But decisions made under stress are not usually the best ones, so that's why I suggest taking care of yourself before making such a big decision.
Keep in mind, a divorce will be WAAAAY worse on the kids than not having money or a house! It is clear in all studies. Now, this is not to criticize people who have gotten a divorce. Just to say it is a fact that you must consider. You guys definitely need to work on your marriage, but it will be much better for the kids if you do that instead of ending it.
What happens when you talk to your husband about this? Does he just keep silent and ignore you? Does he argue with you, or try to understand? Or have you guys not talked, really?
Do you use "I" statements (as opposed to accusing statements)? For example "I feel neglected when you give money to your parents because I have been asking for a house and we don't have one yet" instead of "you don't care about me, you only care about your parents" etc. Are you sure that he is aware of your feelings about all this? Many of us think men are mind readers and think it is obvious, but they can be really blind to this stuff--it really has to be clearly spelled out. Have you asked him WHY he is lending all that money out and why he does not involve you in the decisions? Maybe he's following the example of his father and never considered doing something else. Who knows. Have you asked to set up a regular time (each week or month) to discuss finances and make sure you understand what's going on? Maybe you could ask to be the one to sign the checks, even if he does all the planning etc., so you at least know where the money is going. Have you directly asked him to save for a house and college? If so, what was his response? Does he know you are so unhappy that you are contemplating a divorce? Not saying you should threaten him with that, just wondering if he's even aware of the level of unhappiness.
I hope that has helped, I would again encourage you to take care of yourself first and get strong (probably by getting some counseling), and then addressing the issue with your husband in a healthy, productive way. If you say he is a nice guy otherwise, I would doubt that he is purposefully being mean and careless of you, he is probably just ignorant about what your needs are somehow. A divorce will not make you or your kids happy, either. You will be even LESS "cared for" on your own! I am not minimizing the difficulty at all, just trying to encourage you to figure out a way to work through it.
Are you a praying person? If not, maybe it's time to start : )
Blessings,
Lynn
I just wanted to add, for emphasis, it actually IS BETTER for the kids to hear Mom & Dad argue than to put them through a divorce! Now, it is waaaay better if they DON'T argue, but I have to say that the idea that they are "better off" somehow, just because the parents are fighting, is NOT TRUE. This is proven over and over again in studies. Again, not to criticize anyone who has made that decision already, but just to say please dont' ignore the facts when you are trying to make that decision now....