Ok - last post. You have laid out all your finances (insurance, credit card, cell and so on). Now choose ONE thing to split. Just one. Do not try to make things "even" or even worry yourself about who pays more because that forces you to look at too much at once. Accept the fact you might be paying more on one thing and your W might be paying more on another. Accept the fact you or your W might have to pay a penalty for early termination. Yes, that sucks but in the long run it will be worth it.
Now promise me you won't dwell on that big list and you will choose ONE. Pick the smallest thing. Don't even look at that list again until you have rectified the smallest line item.
I know this works because when I was at my lowest point and the mere idea of facing an entire day was too much to even fathom, I had to make lots of mini goals just to get through the DAY. If I can do it, you can too. Step by step, day by day, mini goal by mini goal.
