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Walk away spouse and finances.. advice?

First, thank you for this forum!

My wife has left the marriage three times in the past 5 months. It's been a cycle - disappear for a couple of weeks, contact, come back, perfect feeling marriage for a few weeks, disappear again. Her personality does a 180 within a matter of a few minutes, something new for her. She has no such history in the past. She admitted to cheating last year and has been in and out of contact with the other person. She is currently gone and may well be living with him. I don't know. She claims that I have been a wonderful husband and that there's nothing wrong with me. She "just has to get her head straight." I don't even know what that means.

We've been married four years, no kids. Most everything is in our names jointly. I have been the primary provider financially. She currently doesn't have a job. Where ever she is, she's driving a car that is in my name. I'm paying her auto insurance and her cell phone. She has accessed our joint bank account once, but I moved all of the money out of that account now.

I'm looking for advice here. Should I cut her off completely - ask for the car to be returned, cut the cell service, insurance, and open new accounts? And if so, any advice on how to do that without being a butt?

I know this may seem obvious to some of you, but please understand that I'm the type to worry about her well being.

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