I married for life too. I wanted to work everything out because I loved him and because our DD had only just turned 4.
After my XH walked out, I begged him to come back. He did, for 6 weeks, then left again. Then I discovered all the thousands of texts to OW. I came onto MN for support in how to "win him back" and promptly got told what a lying cheat rat he was and why did I want him back anyway?! Despite that, I still pursued him. After he wrote me a nasty letter, detailing all my faults (he of course, had none), it was finally over. MN was fantastic, nobody said I told you so, even though they all knew it.
I arranged a solicitors appointment. I asked XH to come round the night before and I asked him if he was certain it was over, told him again that I would do anything he wanted to make things right again. He said no. So the next day I filed for divorce.
It was the last thing that I wanted to do. I remember crying in counselling that I was being forced to get a divorce that I did not want, but she made me "own" the decision. I divorced him because he no longer loved me, because he had been texting/emailing OW and because I knew that he would get into debt as soon as he left.
I was divorced just 6 months later. I cried and cried and actually I am just crying now while typing this because it wasn't what I wanted and it is a really sad memory, but it was the only thing to do, in order to protect myself from his debts. He did run up £20K of debt within 12 months of leaving
.
as time goes by, you start to wonder why you wanted to remain married to a liar and a cheat. you will be sad, I am still sad, but you need to do what is right for you and your DC.
If you are divorcing then you need to take all steps to protect your finances, to ensure that he cant take any joint savings, or run up any joint debts. It is very important that you do that if he has a history of debt problems. Advise your mortgage company that you are separated, so that both signatures are required to borrow against the house and that you are advised of any applications.
You need to make a list of your reasons for the divorce and remember them when he comes running asking why.
Stay strong and don't take any crap from him