I am stay-at-home mom with two young children, ages 8 and 2, and have decided...

[LuckyMom2]

...to go back to school and...? get a career so that I can work part-time and contribute financially. My husband is a wonderful husband and father, but he's not the best with managing money. We are ALWAYS behind on bills every month (and pay extra fees as a result), we never have any money for anything. The bank account is constantly overdrawn. It's very hard for me to deal with this. I love being a mom and I want to stay home with my kids and be there for them always, but I don't feel like this is an option for me. I can't live like this. I don't go out to get my hair done or my nails, we don't go out to eat...but he makes enough for us to live happily. I have tried for years to talk to him about this situation but he's very old-fashioned. He feels the man needs to provide for his family and the wife need not be concerned about the finances. I need advice or words of encouragement because I feel so guilty. I don't know if I should go back to school or wait? He makes me feel guilty about my decision...
He feels I should stay home with our children, and I agree, but the way things are going, I feel like I have to do something about it. Going back to school will change everything about my family life. My little one is used to me always being at home with her, but while I'm at school she will be with my mom. I will be at school for about 20-30 hours...that's a lot. How do I handle everything? How do other moms do it?