Thanks to everyone for your replies. WW is supposed to come over today to pick up one of the dogs and have lunch. I had thought about telling her that I am going to discontinue paying the cell phone and car insurance, as I feel like I'm being taken advantage of. I may wait just a little while longer though.
Question for you all: Do you think that when I do tell her this, that I should also tell her that I am going to see an attorney to get the legal financial/asset separation started? Right now everything is just informal, meaning that she could technically run up tons of marital debt that I would be responsible for if this goes to D. I really don't think she would as she is very debt averse, but you just never know. MY big concern with this, is that she may take this as me saying that I want a D which is definitely not the case at this point.