MB - You asked me to stop by but it seems like you have things under control. Don't waste too much energy worrying about the phone card - it is rare that they can just make a clean break - it's even embarassing to admit to the OP that they're involved with you again after all the stupid things they've said to the OP. My H came back full force, ILY's, the whole shebang - and STILL took almost 2 months to send the OW a final "don't call me" letter. (You may want to look at my thread in Piecing - the first post is a synopsis of my story and advice).
Your baby steps look good. What's happening in the bedroom - any chance of asking your H to "help you release some tension"?? It's amazing how "helpful" they can be when it is put in those terms instead of an emotional commitment.
