HI this is Kitt. I am so sorry your going through all of this. After reading your story I felt like you were in the position of being this man's slave and whipping boy. You are brave to come here and tell your whole story.
What concerns me is your isolation, no car, no phone, limited funds yet your b/f has a huge home, money and a great car I would bet.
I see him as a person that is not married and therefore the rules of marriage do not count for him and you are lucky he keeps you around.
There are some things you can do to decide if you are in the wrong relationship and if you need to get out.
Is your partner abusive? If your partner has abused you in the past, he probably will do so again in the future.
Has your partner cheated on you? For some people this is unforgivable. If your partner has cheated on you you need to decide if you will be able to forgive him or not.
Are you happy in the relationship? Sit back for a moment and think to yourself 'Am I happy in my relationship?' If you are happy, then great! If you're not happy then you need to ask another question. Ask yourself 'Can I foresee myself ever being happy in this relationship?'
If you can see yourself being happy if some small changes are made, then it might be worth your effort to get counseling. I want to mention here that the small changes must come from inside you. You do not have the power to change anyone else (including your partner).
The decision to seperate is never easy, but you do have options. You need to be able to look at your life as whole and decide if it is good or bad. You also need to look at every possible aspect of your relationship with your partner and see if the good outweighs the bad, or if the bad outweighs the good. Sometimes your judgment is clouded when you only focus on the good or only on the bad. The bottom line is to do what you need to do to have a more fulfilling and happy life.
I wish you peace and happiness.