I personally think it was a mistake to end a good relationship, and allow your wife to move into your home so quickly.
In retrospect, there could have been a period, that, from a distance, you could have done things to be certain that her moving in was the right thing to do.
You are still in a transition period with her, or a honeymoon phase. It is hard to accept the result, without working through the myriad of problems that caused the split in the first place. You accepted her back, without any changes, and allowed her to just move back in.
In my opinion the result of her coming back, was without any conditions or expectations, so now you are working backwards, and being put in a position to make consessions that will directly affect your life. And, you have the added burden of not being sure about the future, but planning for it anyway.
This is a dangerous game of russian roulette, that now also include three children who think their parents are back together again for good. This is really not fair to them.
That she is in counselling does not mean that she has changed. Nor does it mean that any of the problems she has in remaining faithful, have been resolved. Nor does it mean that your marriage is going to work out with all the history between you. People can talk the talk during counselling, but have no intention of walking the walk. It is extremely hard work to work through multiple affairs, let alone stick it out and realize and work on all that is necessary in order to understand, and change one's behaviour.
In other words, the problems she has, haven't gone anywhere, they've only changed locations.
Until you are certain that she's serious, by actions, not just words, in changing her life around, it would be a really bad idea to let the house go. Without her making changes, for all you know, she could stick it out for a year, then start up with another man- again- as has been her pattern for some years.
I wish you had posted before you allowed her back. You have already given too much, of yourself, the life you created, and now you are faced with financial decisions, and everything else in the mix affected by allowing her back- including the children.
But it is what it is. Before you invest of yourself any further, keep your eyes open, and your assets intact. Counselling has to produce results, and you will soon see if she is making a sincere effort, or, if this is just a temporary reprieve.
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