I think I was where you are now about three months ago with regard to my XW. I was so disgusted with her and the unhealthy life she was leading. She couldn't even see how immoral, irresponsibile and incosiderate her behavior is/ was before and after the divorce. At least we don't have kids, but she continues to ruin my credit by being perpetually a month behind on bills. I can't imagine how much worse it would be if she knew I was seeing someone new.
I'd say you should totally simplify and move into that apartment. I'm actually moving to a new city, going back to college and I found a roomate to reduce costs. It's going to be such a relief to not stress about money as much.
Formerly SGfan M:38 W:33 M:8 yrs T:10 yrs Bomb: Dec '08 Separated: 4/18/09 Divorce: 8/28/09 XW Affair began: April 08
