Taking a break / breaking up: urgent!

Hi, I've been with my boyfriend for the past 4 years and we've had some really amazing times together, but also some really bad times. I'm his first relationship so he always hears from his family how you shouldn't settle down with your first and should play the field etc etc and as a result he's made some mistakes and I love him and see him for the awesome person he is and forgave them. We started living together in our own bought flat 3 months ago and things were going well but we started arguing more and more. At first it was about the stupid 'you could have done the washing up!' stuff and then it became more about things that happened in the past, and how difficult his family make it for us. I also had some major financial difficulties a while ago so I owe him £1000 (which will be paid back by the end of January 2014) so we tend to argue about that too. When we're not arguing we have a really good time, I just want to be able to stop the arguing! I think things will get better once I pay him back, but he also feels so guilty about the mistakes he's made (they don't matter to me anymore!) but I don't know how we can fix that. Neither of us want to break up, and we love each other very much. It's all just come to a head and we need a way to stop him feeling guilty and me being so stressed about money and therefore about spending money to go out together. I'm moving into a friends house tomorrow for a week to give him some space to see what his life is like without me but I'm terrified when I come back we still won't have a solution and I will have to find a new home (I obviously can't afford to yet) or live with my 'ex', neither of which I want to do!

counseilling can help for both of you