He wont talk to me about this situation he says his mind is bogged down with figures all day and doesn't need this. In his opinion everyone is in this situation and so is acceptable.
[/quote]
The reality is that a lot of people are in this situation, although not everybody uses that as a reason not to do anything about it. In a later thread a poster gave a link to an excellent if somewhat frightening budget calculator. It may be worthwhile looking at that, printing it out and trying to discuss it with your partner.
Having been in a similar situation myself I can understand the human urge to deny that something is wrong in the hope that it will go away.
If you cannot get your partner to speak with you about it, talk to a friend or family member, you may find that you are not as alone as you think.
Working out what you take in and spend every month is the next step, followed by listing in order of importance your monthly expenditure. i.e. roof over head, keeping family fed and warm and then the other items.
Once you have done that try to find ways of reducing what is spent on each of the items in the list, either by contacting the company directly or looking to switch to a cheaper provider.
You dont need to increase your borrowing, you just need to reduce what you spend on it.