Your last statement is alarming to me. WHAT, you think you need to settle with an unhappy relationship rather than be single until you find a man who makes you happy??
You are wasting your life on your boyfriend. He is equally unhappy with you but he has no money to move, so, in essence, he is using you for a place to live, possibly.
You know you are not happy. You know your relationship with him is dead. You know there is no future with him. Why bother with him in the first place?? You do realize that the first opportunity that he gets, he will leave you, right? Why put your fate in his hands?
You are 29, not 99. Who on earth brainwashed you into thinking you are too old to find a good man? That is just a ridiculous thought.
Hell yes, you should end things with your boyfriend.