I`m seeing something and it`s just a hypothesis. Drop it if it`s not true or applicable. I`ll try to be as objective as I can and will not put blame in any of the two of you. But of course sa mga ganito, the two spouses are accountable.
Dun sa conversation na sinabi mo, there is a streak of attack-defend in the way you talk to each other. And probably, this pattern of communicating has been embedded in your relationship, lalo na siguro when you`re trying to resolve a conflict. Example sa convo na binigay mo.
You said: (attack) Ah okay. Bakit ba sa tuwing nanghihiram ako sayo ng pera laging wala? Babayaran ko naman eh saka para sa tuition ng bata.
He said: (defend) Eh sa wala nga eh kung nagsabi ka sana ng maaga di nakapagprepare ako.
You said: (attack by criticism) May emergency bang prepared? Tapos 500 lang wala ka? Anyway, okay lang. Kaya hindi tayo nagpo-prosper eh kasi magkaiba talaga tayo ng pananaw. Hindi man lang kita masandalan sa konting bagay.
He said: (ignore/flight) Bahala ka na nga.
But of course, I understand where you`re coming from. Kasi nga you`re emotionally depleted in your relationship. Also, you said, pagod ka na tumayong lalaki, kaya lang baka sya rin, pagod na sya sa pakiramdam na emasculated. There`s a hurt probably in your husband, kaya he built an emotional wall/barrier between the two of you to protect himself emotionally. Hence, the emotional disconnect. Emotionally depledted ka ulit, attack-defend ulit communication. It`s a cycle.
How to deal with this? Between the two of you, somebody must be aware of what`s going on in the relationship. And that somebody, the catalyst of change, must act on that awareness. If you`re that somebody, there`s an ebook here on this married life section that has received positive reviews from the members. You might want to read it. If you haven`t tried it, maybe you could consider,it could improve your marriage.
This relationship doesn`t have to end. Magpapasko na, malamig, wala kang kayakap. Lahat naman talaga ng husband may weaknesses, sometimes it`a just a matter of how the wife accept it and deal with it nang hindi masasaktan yung husband. Sabi nga ng isang author, a man`s ego is as fragile as his balls. So touch it gently and with care.
Also, never make a life-altering decision when your mind is clouded with emotions. There`s a big probability that you`ll make a mistake. If you really want to separate, think about it with a clear mind, and hopefully, after exhausting all your efforts and resources. I`m pro marriage, pero syempre that`s your life.