I don't know what to do/ long post

I've been with my husband for 10 years and we have 3 beautiful children together, I love him very much but I'm soo tired .. I'm tired of the constant lies, the financial instability and the sheer laziness that he exudes. I've been the main breadwinner the whole time we have been together but there have been times when I have needed him to pick up my slack (during maternity leave, when my 7yr old went in to the hospital for pnuemonia, when I was laid off) I needed him to be there financially.  I can never depend on him. I trusted him once to be there financially and we were damn near homeless. The issue is he's a great guy-mild mannered, never cheated and he does help out around the house sometimes but he's never consistent.. I just feel like I'm getting to old for this and he will never change. Any thoughts would be so helpful.