Very Confused, Cont.?

We decided to stay together and try to work things out. So far, they have been like a roller coaster. He hasn't put out the effort that I have to try and mend things between us. I think that he feels trapped in his job, trapped with me, trapped with the new apartment. I know that he still loves me and i love him, but I think that maybe we are at different places in life. I am ready to settle down, he, obviously, is not. The last three nights he hasn't called and he has come home late, somtimes not until I get up for work. I know that there are things he likes to do on his own, but I feel like he doesn't want to try and make us work anymore. I am ready to ask him if he wants to take a break. But I am afraid that it would be a permanent thing. What to do about the apartment (neither of us can easily afford it on our own) and what to do about us I am not sure. Any advice would be appreciated.