I have similar issues with auto repairs. Always at the worst time. Buying beds and dressers for the kids, a used grill, cleaning supplies. It all adds up quick. Then, I had to come-up with 2 months rent last weekend, which is about 88% of the net that I get each month. Luckily I had set some $ aside to get me through.
I think you need to continue to maintain the minimal contact thing. I hardly talk to W at all since I am out of the house. I think it has made things a little easier, but there are still plenty of difficult times. Maybe time to start dating again.