We have lived together since Sept 2012. The house (mortgage) is in my name and we have separate bank accounts. My concern is that in her current mental state and with the alcoholism she is not making best interest decisions. Others may influence Kirstie. Is there anything I can do to safeguard my own position, but leave the door open for her to return if she wants to following the necessary inteventions and therapy.
I rely on carers. Over the past two years Kirstie assumed more of the caring responsibility - in nutshell (and the words of others) she became obsessed with me. Excluded my care team as much as possible - which all contributed to her rise in anxiety and helped her to disguise her drinking. I have had to call emergency services 3 times in 6 weeks to help pick her up after she became so intoxicated. Having said all that, if Kirstie accepts the help offered by professionals, she may get through this and, I will be waiting. However, she may decide (and has already muted that, 'it is no longer her home, but she still loves me'). If Kirstie wants to formally separate, can I safeguard my position in terms of the house and any savings (on the premise the relationship broke up within 2 years due to unreasonable behaviour on her part)?
2 years - £130K on mortgage - I paid off £90k from my own money before we got together. House is worth £220K. No debts - my income is from a pension (veterans agency &royal navy prior to us being together). Kirstie has access to ex husbands pension. Recently Kirstie lost her job and is awaiting prosecution on a drink drive offence. A real mess.