And I thought I was a professional victim. 
Look, IDDB, I’m a bit like you-I too tend to be afraid and sometimes lazy. However, right now, I’m making an effort to get beyond that. Unlike you, I LOVED college, and I want to go back as soon as I can, and I intend to. However, I’m trying to get a job (I just want to hear from the Carnegie in the next few weeks!), and I’m shy-I don’t know anyone, and I’m hoping to be able to take a dance class or something to meet new people.
BUT…at the same time, I am trying to get beyond making excuses. I do it all the time. But I’m biting my tongue, posting my woes in my LJ rather than here, and realizing that, this is temporary. I’m working to get beyond this. And I know I will.
If hubby won’t “let” you take one stupid little class, don’t listen to him. Put your foot down. Tell him how important it is, tell him you’re willing to LEARN with his help about you finances, and follow through.
I know what it’s like to have something holding you back-in my case, it’s an anxiety disorder. I STILL feel guilty about quitting my job at Kmart, even though it was destroying my health and well-being, because there’s just some little part of me that says, “Well, you COULD have stuck it out.” Or something.
I too am bad at math. The last math class I took I flunked, even with a tutor, because the professor sucked so bad-I kept ASKING her what I needed for passing, and she kept blowing me off-and she was ALSO tutoring me! I probably could have taken it again and passed by the skin of my teeth, but at that point I decided to change my major because I really didn’t enjoy the elementary ed program, and was leaning towards history-which I loved and ended up doing GREAT in.
Right now, you have to decide what you want to do. If you keep failling, well, you keep failling. But don’t stop TRYING. Even if you fail, at least you TRIED.