Thanks for sharing your thoughts.....we are going to get a new roof in the spring and h did say that I would have the money then, so we don't have to borrow it..I also told him I had thought we would pay off our parent/school loans, visa...then I'll see what is left.but to become debt free will help me IF we do d, we won't have all that debt.

T2........how can I thank you for that great response..I am going to print it out and try to memorize it....I am so afraid to bring it up(makes me sound kinda weak, even though I feel so strong)maybe I should send it to him..naw that would be tacky and chicken like..I have to face reality and the outcome sooner or later. I give all of you people such credit for being able to tell your s these things that I have been afraid to for so long..but then I go back to that day last ov..as h told kids he was moving that he needed space....and I justify that that is what I have been doing this past year......oh boy do I sound like I am making excuses...no I stand strong that I have given him the space...but now as a year appoaches it is time to get a feel for things.

Rambling on and on...

Sue