I have come home to an emptied house....What next?

[Awoken]

I felt really bad when I was at the bank too. I apologized to the bank manager that was handling it for me. He said "don't worry about it, this is the 5th divorce I've handled today". It blew my mind; I guess they deal with it all the time.

I suggest you send her a message or text telling her you have separated your finances. And that she will need to pay for her own cell phone now. Keep it simple and polite, all about business. Look at it this way, if she was just a business partner you would inform her of a change like this. That's how you treat this. Do not say anything about the relationship.

Something like, "I thought you should know that in light of the present situation, I have decided to separate our finances. I opened my own account today. Additionally, you will need to pay for your own cell phone."

Prepare for her anger, and do not react. Just say "I understand, but this is what I've decided". Don't continue to talk to her if she is yelling. Stay calm. Be courteous, tell her you can discuss if more when she is calm, but this is what you have decided.

You've got some time before you have to send anything, so wait and see what the others say.