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Kim Zolciak & Kroy Biermann

Kim Zolciak and Kroy Biermann's marriage is one big rollercoaster ride -- we're told their ongoing money struggles are still taking a toll, making for some pretty bad days as they attempt to stay together.

Sources close to the couple tell TMZ ... Kim and Kroy's steep financial troubles -- which they still won't publicly address -- are putting a lot of pressure on them. We're told they'll be fine one day, and then at each other's throats the next.

Kim Zolciak and Kroy Biermann Together

Our sources also say there's an equal amount of blame being thrown around their household -- you'll recall, they allegedly owe $1M to the IRS, and they've been sued by companies like Target and BMW for being behind on payments.