Problem is, she could well blow through her 'unofficial' £12k (which of course is a marital asset) then start going for half of 'your' remaining marital assets too..

T 13 M 7
Me 48 H 46
SS 15
BD 7.14 PA
D final 5.16 (H filed)

We receive & we lose, and must try to achieve gratitude & embrace with whole hearts whatever of life that remains after the losses - Dubus