Hi Evie, sorry to butt in but just wanted to say you can get a legal separation/financial separation done, this is not a D, but can at some stage be converted to one.
My advice would be to get the financials sorted sooner rather than later. It seems the WAW's have more guilt and are more ameniable in the beginning but later that wears off and some turn nasty.
I stalled and used every trick I could think of and it cost me a lot of money, not only because my H got really cross but also it meant more solicitors letters going back and forth and that costs money. I actually felt better once it was done. I was at least in control of my own finances. My H did the usual spend like there's no tomorrow (on a joint acount). I guess if you have children still at home and in education you will get to keep the house anyway. It is an awlful time but it does get better. Take care.