I totally disagree with the advice that if money is tough to try to work it out because divorce makes it tougher.
We stay together because we want/choose to, not because we can’t afford not to.
Fights have two aspects to them: the disagreement itself and how we talk about them.
It sounds like you’re having communication issues, not lifestyle disagreements.
I wouldn’t give up on therapy. If you can’t afford private, why not go to a place with a sliding scale fee? They charge by income.