That is very odd about the system losing track of you. It sounds like there might be a cookies issue with your browser. Browsers' cookies files can easily get corrupted. I recommend going to your browser's settings area and clearing all cookies. Doing that once a month or so can really help with browser performance.
I'm so sorry to hear about your stress levels.
Many studies show that money is the top issue between couples, so know that you're par for the course there. I know money is an issue in my relationship and it was in my marriage (I'm divorced). So that is typical, and the challenge is how to cope with it. We're happy to help! If you post the kinds of issues you have, either here or in one of the money forums, we'll help you brainstorm.