I agree with giraffe, don't be specific, maybe "due to a number of issues..." And be prepared for them to not show up at the beginning of next month and not pay you, just in case.

I like they way your husband put it. I'm like you, I think we put up with a lot, but in the event that we lose money, we'd look back and say "I should have known they'd do something like this." Good for you for realizing it before it happened!