Don't fret over the text thing. I remember one time the two of you argued over her not getting a text from you. Try the little things, like funny pictures, a couple of times. If she doesn't respond, then use words and ask her if she and the kids are doing okay. That opens the door for her to say something. Not that she's ever needed a door before now, but just saying......
The issue about the house and your ever increasing debt is a much more serious issue than how often to text. Based on other things you've told us, I don't see her dealing with debt very well. Serious debt can get the best of the maturest of MR's.
I agree that you don't need to tell her in the next few days (or even weeks), but I do not believe you should keep her from knowing about it (especially the house), b/c if things got better in the R and the two of you were about to get back together....and then she discovers the shape of your finances, it won't be good. It could bust you apart again. At some point, you must be open and honest about the situation. Timing is extremely important about these matters, as I'm sure you know.
Try not to take on too many things to stress over at one time. There is plenty to spread over the days ahead.
It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!
