Thanks for your replies - I've been thinking about this all morning and have decided to broach the subject tonight - he knew the loan company were ringing me back today so that'll be a good inroad I think to a discussion.
I don't regret giving up my job to be at home with Jack - I love being a mum (I regret going back to work after having Ryan though - feel like I missed out a lot). I have taken a part-time job - well, casual really, as a waitress (just 1 or 2 nights a week)at my friend's fabulous restaurant. It doesn't replace even a tiny bit of my old salary but it's cash in my purse without dipping into child benefit or savings. So I feel like I'm doing something to help. We decided that the little bit of tax credit we get is paid into the joint account to help pay bills etc. Please don't get me wrong we're not on the bones of our bottoms here - It's more the issue that he didn't discuss finances. I appreciate all your advice.