My concern is if you do it now, tied to a large bill it will look like you are being punitive towards her. Punishing her for leaving. IMO when you have the conversation it needs to be organic and not tied to some big bill that is due. When my W moved our conversation happened as of a result of what she needed to do to get herself established. She also gave me her CC that was in my name, her debit card to our joint account and her checkbook. Eventually you will need to bring up the subject and come to an agreement on who is going to pay for what based on each of your incomes assuming there is a large difference.