I would not text her, that's avoiding, talk to her face to face. Don't hide behind the cost -- tell her YOU don't want to do it. It will be okay.

You better do it soon or she will go out and sign a contract and then things will be even more difficult. Have the conversation today and cover all the points above. Let her get angry or not, be firm

Married 18, Together 20, Now Divorced
M: 48, W: 50, D: 18, S: 16, D: 12
Bomb Dropped (EA, D): 7/13/11
Start Reconcile: 8/15/11
Bomb Dropped (EA, D): 5/1/2014 (Divorced)
In a New Relationship: 3/2015