My cheques go into a separate account and I transfer "what we have verbally agreed to" into the joint every cheque.

We have also verbally agreed that all CC debt incurred since June 1 is our own. I'm still going to go after 1/2 of the debts/expenses she incurred on the affair prior to that date.

So, I should just instruct her what she needs to do next regarding what she has to compile for the mediator?

Have her pull all our joint banking statements; arrange the home appraisal; etc?

Interesting.

I am concerned she will keep cranking up her debt and when she reconsiders I'll be married to that debt, too.

Today I found a solution to her/our truck payment problem. My friend can downsize our vehicle. Save on pymt and fuel. But SHE has to qualify. I'm out of this one. If I left this to her, it would never happen either.

So I'll back off on moving forward with the Sep Agreement.

Thanks.

FYI-whether she comes back or not, the truck and house gotta go. But the house should wait til the market improves. Truck first. Immediate savings.