If you really feel that way cupcake, then you need to end things with your husband. It won’t be easy – odds are you’ve been with him for so long that the thought of not having him around or rearranging your life without him makes your stomach churn. But you will survive, I promise. Carrying on the affair won’t get you anywhere. You will just feel guilty and immoral for doing so. It sounds like you will be a lot happier on your own and he’ll probably be happier once he’s moved on with his own life.
Just a thought – don’t tell him about the cheating if you are going to do it to aleviate your own guilt. That’s your cross to bear and there is no sense in hurting him further. If things aren’t working, things aren’t working. Act the adult and tell him that straight up.