For what it's worth, the biggest mistake that I made was not getting a support order in place as soon as xh left. I, too, was paying the mortgage and all the marital bills. I was a SAHM and was dependent on what xh gave me. I had barely enough to stay afloat while xh was on to a new life with OW and spending frivolously. Even if you choose mediation you can still retain an attorney to file for separation and request a support order. Just something to think about.