Counsellor
I would advise you both engage in counselling. Find someone you will be comfortable with in sharing your concerns and discussing the situation you both now find yourselves in.
Rather than debating who is at fault you both need to consider the following during your counselling sessions:
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Counsellor
Your situation is complex and I suggest you get some support from a Counsellor to help you cope. Financial worries, depression and the ending of a marriage are all big issues. If you see an experienced couples counsellor he/she will help you both to air your feelings and you will be able to explore your motives and the underlying issues around the over-spending so that your ex-husband gets to understand you more. It sounds like this is your highest priority right now, getting your ex-husband to understand your behaviour. It will help you also to understand and clarify for yourself your own behaviour so that you can begin to rebuild your life. You need help for your depression. It is a common thing to think that we can make others happy but your husband's happiness is his responsibilty. It sounds like it is time for you to focus on making yourself happy. To do this you need to get to know yourself from the inside which can be scary. It seems easier to focus on making others happy than doing the work on ourselves. Good Luck.
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