You have a big problem here with this lazy, spoiled man!
People here have given good advice, but I want to add something important.You don't mention whether you are a Christian, whether your husband is a Christian.
The essence of the problem is really - are you walking with God? What does God say about men who won't support their families.
"But if anyone does not provide for his relatives, and especially for members of his household, he has [FONT=Helvetica Neue, Verdana, Helvetica, Arial, sans-serif]denied the faith and is worse than an unbeliever." 1Tim. 5:8[/FONT]
[FONT=Helvetica Neue, Verdana, Helvetica, Arial, sans-serif]The Bible is clear that a man who does not support his family is an unbeliever! So you need to start praying and asking God which way to go. Maybe there is hope for a radical change in your husband. With God, nothing is impossible. Or maybe God sees him as someone with a "seared conscience" and knows he will not change.
[/FONT][FONT=Helvetica Neue, Verdana, Helvetica, Arial, sans-serif]"[/FONT]Now the Spirit expressly says that in later times some will depart from the faith by devoting themselves to deceitful spirits and teachings of demons, 2 through the insincerity of liars whose consciences are seared," 1 Tim. 4:1-2
Don't just pray, but start reading the Bible systematically. God will reveal to you in its pages his love, mercy and grace. He will also reveal that God is a God of Justice, and he has expectations of his children.
Right now, you are all about mercy. That is not a bad thing unless it comes from a place of codependence. But mercy needs justice, and right now, the way you are living is unjust, unfair, in other words.
I know these days the wife must work. I certainly had to work, and I have always brought in my share of our collective income. But when a man is allowed to get away without working, but also borrowing from so many people who are also enabling your husband, it is time to realize God wants you to receive justice, in the form he provides.