S.B.
Counseling DOES work if both people want it to.
You can really learn some great techniques for communicating and diffusing a situation before it escalates.
You both need to realize that money causes more problems and arguments than just about anything and when the funds are limited, it gets even worse. Stress causes people to say and do things they normally wouldn't instead of just talking it through and finding solutions that work.
Counseling is ALWAYS worth a try.
That's my opinion.
Best wishes!