Yeah, take your time mate. If in doubt, do nothing for now. The answer will come to you. Mind you, I think you should protect your finances. I don't think it should be up to you to pay for her credit cards at this point, and as you said, if you are paying the full mortgage, you might as well live in the house.

Freshman Class of 2012

M-49
W-42
1D-10
T 10 YEARS
M 9 YEARS
EA/MLC 07/2010
Separation 28/05/2012
PA confirmed 31/07/12
W Asked for D 31/07/12
D on and off the table since then