How do I handle a seperation?

Well it all started on Friday night when my husband got on line to check his bank account and found that I had transfered money out of his savings account into my checking account, then I took the money I transfered and lent it to a friend. That isn't the worst part this isn't the first time I have done this. I have always been really bad with money and I try to control things for a while and when I start to get in over my head I start neglecting to pay things and start shopping more. So the first time it was A LOT of money and this time it was about 300. Now my husband wants a seperation and has his bags packed already. I don't want to lose him I really want to get better and fix my marriage but he is dead set against it. He says he is tired of being so unhappy. Can anyone help me?

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