It's been 3 months, right? And I doubt you made all of those changes on day 1. Meaning that it's probably going to take awhile to make those changes.
I wouldn't think of the mortgage thing so much as her feeling that she is trapped. She is getting knocked into reality. That's different. My H went through a similar thing. He lost 30 lbs. during this period (he didn't have 30 lbs to lose). He got very depressed. They spend sooooooo long with this fantasy about leaving and then reality strikes. This is a good thing, though, because then it gives them an opportunity to finally look at you and see the changes.
