All of that is understandable but there may be options you are unaware of.
Once legal papers are drawn up, dropping your H from your health insurance will free up 250.00 per month (I think that is what you said). Would that make a dent in his portion of the mortgage payment?
Also, you will only be responsible for 50% of the debt aside from the house (and I bet you can do better with that).
Remember, you will only be paying to insure one vehicle instead of two. You might be able to get some of your legal fees back or a portion of your H's retirement. One angle is to "allow" your H to keep his retirement and you don't have to buy him out of the house.
Once you start looking there are ways to cut back on monthly expenses. I changed my cable pkg (H had every movie and sports channel known to man) and saved 120.00 per month. I changed my cell pkg to a "200 per month" text plan for only 5.00. I text often and when I get close to my monthly limit I use a free online texting program.
Make a list of what you want and need. Then see about finding solutions. I know you can do it!
