Bernadette,
the guy is secretive about such important aspect of your life as finances and gives you silent treatment each time you speak out your concerns.
He sort of lives with you but most of his stuff is at his moms?
Does that sound like a commited relationship to you?
Not really, especially having in mind he is able to have more caring relationships with other, but you.
When someone cares about you, they put effort into solving the issues that arise and you don’t have to second-guess your role in their lives. They don’t punish you with silence, ignoring you and etc.
It looks to me that he is just using you in order to have someone by his side, unless something better comes along. Thats why he says he loves you yet continues with the same behaviour (yeah, baby, I’m sooo bad, but I loooove you) – it helps him to keep your expectations low and stay silent about his lame behaviour out of fear of loosing him forever.
Cut him loose and spare your time for people who actually care about you (first of all-you – take care of your wounded soul and heart), instead of risking your own well-being for the benefit of someone like him.