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He is signing his apartment lease as I type.
this seperation is surreal. We been bickering back and forth but i really felt he would not move out. He feels that by moving out we both will have more time to think and regroup. We have been married 4 years this month. We have a 3 year old son. He says I don't listen, and i cannot argue with that. After the birth of my son i've felt like i'm living one day at a time. i found couponing and have been on a mad dash to buy stuff. he has problems with my finace. i owe student loans, credit cards and we rent from my mom. 3 weeks ago it hit me, what the hell am i doing and so i am trying to fix my stuff but a little too late. How do i handle this? i switched jobs one month ago and its been super hard and stressfull now on top of this this seperation. we will be going to see someone but how do you deal with this? how do you talk to family and friends how do you deal with life? i've always been a super strong person but my world is falling apart and its hard! i can write more but i just need advice tell me how you did it? how do you keep that civil line with the spouse in order to try to work on our marriage while living apart. sorry for the typos but im just writing and getting it all
TIA! 
Re: He is signing his apartment lease as I type.
Sounds to me like there has been a lot going on here.
How exactly did you run up credit card debt -- and by your statement "I hace credit cards" you must mean debt.
It is never a good idea to do business with relatives or friends and renting from a close immediate family member is never a good idea. You and he needed to get a place of your own and rent from a non-family member; I foresight and hindsight means everything.
Sounds to me that counseling was mandatory months ago, not just now. I don't know what else has been going on here; some more backstory will help; you'll get better advice with a better backstory.
Sometimes it takes a dramatic change to see you have issues and for you to WANT to resolve your issues. Please go to individual counseling. There might be a lot of emotional baggage you are carrying around that is causing the obsession with couponing and spending money you don't have to fill some type of void.
You may lose your husband (it may be too late to save your marriage), but it's never to late to make a healthy change for yourself and move forward. Individual counseling can help you sort through these issues and how to deal with the stuff you carry around and life in healthy ways.