S'pose the two routes are a) get a plan first and b) work out how to tell the hubby and then walk through the plan together.  I'm divorced, and I'd love to have option b) ... it's worth trying to go that way if you can.

If you're not in big debt yet then read The three most important lessons you've never been taught by Martin Lewis (play.com £3.49) for giving you ideas about how to save and manage money. Also, try the forums at www.moneysavingexpert.com for more e-encouragement and ideas from others with money problems.

If your problems are bigger and more urgent than that, I do suggest getting someone who can help you to sort things out and take the load off you.  Go along to your local Citizens Advice Centre, or one of the free debt advice helplines - for example, CCCS.  Don't go anywhere near a debt consolidator (putting all your debts into one loan) without expert advice, and don't go to anyone who charges you a fee for their service.