S.:
Hello and good morning! I am sorry to hear you are going through this.
Okay - if your daughter's father is AD military -
1. His pay can't change until he makes rank or goes over another year in service.
2. If he is having financial trouble (depending upon where you live AND his rank (I will assume he's enlisted and not an officer) he should be able to live on-base
a. If it's really bad - his 1st Shirt should already know about it.
b. If he is NOT paying his child support, his 1st Shirt should know about it.
Think long and hard before you go to his 1st Shirt. You could harm his career and therefore his ability to make money - if he was dishonorably discharged from the military that won't bode well for future employers.
3. If he's making allotment payments - I am assuming you mean auto-pay on credit cards and such.
While I understand your desire to have your daughter go to a private pre-school, you might need to re-think your decision and see something that you can afford. Private Pre-School is considered a luxury and not a necessity. If he is not providing support (child support, food, health benefits, etc.) his 1st Shirt should know about it. If he can't afford a private pre-school - that's not what you need to go to them about.
If you know the two of you have money problems - why are you trying to make it worse by putting your child in private pre-school?
There are many wonderful counselors (even on-base) and financial advisors (on-base as well) that can help the two of you through your hard times. I would recommend that the two of you TOGETHER and separately go to a financial counselor to see how you can fix the problems that you are having financially.
Separating because of money issues is a big deal. Financial responsibilty is a very important issue. How you deal with it is somethign else.
Think of your own financial responsibilities and how you handle them.
My first marriage to an AF Enlisted man was filled with money issues. But it really wasn't until I took a step back to accept my responsibility in the financial fiasco, did things change. My expectations as well as my own spending habits (our daughter had ballet, private pre-school, etc.) I had my nails done every two weeks, pedicures every two weeks, etc. things that I didn't feel I could live without. What a wake-up call! I couldn't believe how much money I had when I scaled back my own spending. Money wasn't ended up making us divorce. However, in our earlier years, it played a HUGE role in it.
Marriage is something that one shouldn't enter into lightly nor leave lightly. It's a full-time job where the rewards and payment don't come for years down the road.
Take a step back, pray about where God wants you to be on this path that you are on and how you should handle things.
Make a list of your expenditures and see how you can change your spending habits to help with the situation. Maybe if he sees you trying - he will try too.
Find a financial counselor (not an agency that will pay your bills for you or reduce your debt - but one that will show you how to make the most of the money you have (coupons, investments, savings, 401K, etc.) I can guarantee you that it will NOT be easy. It will hurt. But setting long-term goals and getting there aren't always mutually exclusive.
God puts speed-bumps in our path when He believes we are going down the wrong path. It's a matter of how we deal with them that will either make or break us.
Marriage counseling might work for the two of you as well. Communication is key. If you work on the problems together - you will be showing your daughter that hard work does pay off and a marriage and being a parent IS hard work.
If you need someone to talk to - I'm here. You are not alone.
God Bless.
Cheryl