W still having affair with OP #2

[4mendmj]

I have paid the mortgage ahead by a few months so I actually have a built in cushion to see if she handles it like an adult or if she goes crazy.

Phone bill is monthly and shared but I can always go down and get my own plan and pay for it myself as her half used to come out of the joint card I will be cancelling. Car insurance we pay 6 months at a time and is already paid for. We are debt free minus the mortgage so only things like utilities and phone and cable are bills we experience on a monthly basis.

The only reason I am doing it is she blows so much money on coffee and lunches and dinners out with OW that even though she makes more than me, she is spending more than her own dispisable income even based on her % or re-worded how much she makes per month - half the bills. So this change will at least return my disposible income to me.

It does leave me unprotected in one way...since we are not divorced, nor have I filed, if she goes hog wild on that new credit card only she has, even though it would look bad in court, I would still be on the hook for 50% of it until I would actually file so I am actually risking something here by losing "control"/visibility into her finances but alas, the detaching thread tells me this is what I should be doing. It is her mess, I do not need to involve myself in her mess any longer.