Take the hits and keep moving forward.

[T1000]

W phoned me before. She has scraped someone else's car (garage owner, car for sale). Asked me about the car insurance. I told her what she needed to know. End of conversation.


1 hour later I get a text:
Hi. just letting you know nursery fees for the boys have gone up by £160 per year and I now have to pay £25 to the council for rent a month and my benefits have been reduced so I don't have enough money to cover it. We are gonna have to look at how much you give me in order to cover my outgoings.
End of text.

Seeing as I'm in a very emotional state right now I could do with someone advising on how I should respond.

Legally I don't have to do anything. My L said that I don't have to pay her spousal maintenance. I give her 300 per month plus pay her car insurance 45 per month.
If she went to the CSA they would make me pay 342 per month but I could just cancel the car insurance so it's not in her best interest but she doesn't know this AFAIK The car insurance for her would be about 100.

Financially I cannot afford to give anymore. I'm in debt, in my overdraft and just get by on what I have left.
She has a gym membership. She has been decorating her bathroom and the kids room and with new fixtures and fittings.

What do I say??

I want to say:
I cannot afford to pay anymore than I am doing already.

I could add:
I cannot afford to pay anymore than I am doing already. I am looking into remortgaging the house. If I do I might be able to help a little.

I feel that she will respond negatively for obvious reasons. Threaten CSA etc.
I would like to point out that she shouldn't be redecorating her house if she can't afford but that will really antagonize her.
Last we spoke she was going away this weekend by train for a night out. That means train fare, hotel, spending money.

Whats my move?