"I'm confused, too!"
What's holding you two together?
You don't sleep in the same bed, you are having an affair, you have financial problems, you never mention any real love for your husband...excuse me, but you've already made up your mind.
Yes, I think you should move out. Yes, I think you should stop dating a married guy, unless you're not serious about him at all. Yes, I think your marriage is over.
Sorry for being so blunt, but rarely do we get a question that appears so black and white to me.
All That's Left Is Packing Her Bags
I wonder how your husband would describe the relationship. Do you want to know? I'm convinced from your letter, that all that's left to do is pack your bags...is that too harsh?