<human>: Summarize the given text in a few sentences.

Hubby (28M) and I (27F) have been together for ten years, married for 6.  

When I was 18, I did the stupid thing and got a credit card – problem was, my bank account was tied to my mom's, so my CC, being tied to my mom, gave me a very high limit.  I discovered the "fun" of credit cards – buy it ALL now, pay for it in small payments each month.  Soon, one credit card turned to 2, then 4, and now I have 5.  4 are open and active, 1 is closed and I'm paying it off.  Total debt amounts to about $2,000.  This has also severely affected my credit score, as my husband has been unemployed, and we had only my paycheck to survive on (utilities/groceries came before credit cards at that point).

Here's my problem – my husband thinks that all of my cards are paid off, and that I have no outstanding debt, and it's my doing.  Every time we work on a budget, he asks me, and I say "oh yeah, they're all fine.  All paid off."  And I feel horrible – I despise myself for lying to him about this.  We're trying to save, trying to pay off medical bills and my husband's cards (so that we can have SOME kind of emergency fund), and I'm making this more difficult by spending money that we aren't accounting for, and just flat out lying to him.  I can't do it anymore, but after so long, I have no idea how to tell him what's really going on.  Anyone have any advice?
<bot>: – Been lying to my husband about credit card debt for years.  Want to come clean, but have no idea how.