Last week we looked at a house we loved in a great neighborhood with a great school, a few blocks from Lila's best friend.

And the landlord loved us. Told us we were her first choice, she just needed to do a quick credit check and get back to us. Then she fell right of the edge of the Earth. Stopped returning Sam's calls.

I knew she got the scores and decided to hold out for a situation where both the applicants AND there Equifax report were equally loveable. Five days later when I emailed to check-in, I got this response:

I'm so sorry Elaina but your credit reports came back with scores that were quite low and our financial guy recommended we not go in that direction. Simultaneously, another interested party decided that they also wanted the house. We ran their credit the next day and it was acceptable. We are wraping (sic) up the deal with them. As you know these things can fall apart at the last minute. If it does fall through, I will talk to my business partner about the idea of working together to see if we can figure out a way to make it work. Perhaps some way that you would pay a higher deposit or something.

Good luck to you and I must say that I also really enjoyed our interactions.

Regards, ....

I must say I wish she'd enjoyed our interactions enough to figure out a way make it work before wrapping up the deal with the applicants who came after us. Or at least enough to call back and say it wasn't working.

I get that rental houses are financial investments and have little to do with humanitarianism. The frustrating thing is we have excellent rental histories, both together and separately, And, irony of ironies, my credit sucks because paying rent on time is always top priority.

How much does a divorce cost? I don't mean the mental costs or even the cost of finding another place to live and all that jazz.

What I'm talking about is the actual cost of going to a lawyer, retaining his or her services, and paying for the lawyer to do whatever divorce lawyers do. I'm guessing they have to draw up documents, negotiate, and answer about a million questions from people like me who are confused and scared out of their minds.

So how much does this cost? I'm guessing it depends on what's involved. If I was to leave my guess is that the divorce would be contested and there would be custody issues. Does this cost more than an uncontested divorce?

When I did an initial search for divorce lawyers I was surprised to see that some of them offered payment plans. Financing a divorce? I was flabbergasted. It must cost a great deal of money if it needs to be financed.

Yes, I'm naïve. I haven't built up the nerve to actually make an appointment with a divorce attorney because I'm terrified of starting the process. Going in to see a lawyer and asking the question of how much it will all cost means that I'm really going through with it, and I just don't know if I'm ready to do that.

So instead of getting an educated estimate of the costs involved, I worry about if it's something I can afford or if I'll wind up financing it.

What a thing to finance. The very thought scares the heck out of me.

We've been looking for a place to rent for almost two months, but we're still in the same broke boat, with the same crappy credit we had two years ago when I left.

And just like when I left, and all the long years leading up to it, the weight of financial pressure creates this ongoing competition for resources that exacerbates all of our other problems.

Sam says I'm more stressed about it than he is.

He says it to me and he says it to our therapist, then we walk out of the appointment and he accuses me of wanting more than I actually want, of wanting to keep up with the Joneses, when actually I could not care less about anyone else's lifestyle.

I don't want a McMansion. I just want to get by without struggling.

It's the same old fight.

Not being able to support our family makes him feel inadequate, and I know it's true because when I left because he owned up to it. Admitted the nasty things he said were about being angry with himself, not me.

So I call him on it, and he apologizes. It's an improvement I'm willing to work with.

Our therapist once told me finances are cited as a key factor in 80 percent of divorces. Money is the number-one point of contention in marriages. I'll buy that. There's so much stuff bound up in dollars.

Like they say, money is power. So, of course, there's contention about who spends it and how. That's assuming there's money to be spent.

Those arguments feel luxurious to me. We don't get to fight about whose spending irresponsibly. More likely, I ask Sam to ask his family for a loan; he refuses. Or what we are going to do about child care this fall because we owe Lila's pre-school more than it cost me for a year of college back in the day, and until we pay it down, we can't use their before and after care program.

Sam and I both work hard at jobs we love, but we don't make much money doing it.

It’s been a year now since I determined I could not go on living with my husband, Ed. While he was the first one to bring up the D-word, he is also the one who does not want to get divorced.

Once I finally got him out of the house (my house, thank you very much; I bought it a few years before we married), I devoted myself to scrambling for money to keep body, soul, and animal family together.

I soon realized that divorce, with its lawyers and fees, was a luxury. And Ed, never a financial genius, said he didn’t have the funds either.

He did email me a proposed settlement agreement; I think he found a template on the Internet.

We have no kids and my lawyer tells me our pets are considered chattel (I’m sorry; anybody who looks to me for food and shelter and doesn’t work is a dependent).

I wasn’t seeking alimony and he wasn’t planning to battle over the house. Still, like any good divorcing couple, we managed to oppose each other.

I wanted to keep the health insurance he got through work, at least for a while; he would not sign a quitclaim deed formally relinquishing any interest in the house, until the divorce was final.

I was more concerned about the health insurance. I could keep that by just keeping quiet, so I did.

But after I tapped my retirement account to cover all the things I hadn’t earned earning enough to handle, I remembered that I’d also meant to get divorced.

I got out of bed in the middle of the night and emailed Ed, asking how he thought we should go forward.

Then it was his turn to keep quiet.

Weeks passed without a word from him.

I felt I’d done my part for the present, but my therapist thought I was procrastinating.

Imagine.

I said I’d get in touch with Ed, ask what he wanted to do. “Why are you giving this back to him?!” she demanded.

I thought about it briefly before replying.

“Habit.”

I'm thanking the gods I work from home and there are few places my two feet and my bike can't take me. Because every buck I put into my gas tank is food I don't buy at the grocery store.

Gas at the cheapie station is holding at $4.17 this week. Everywhere else in town it's closing in on $4.30.

At that price, one gallon of gas costs more than 70 percent of the federal hourly minimum wage, $5.85. It’s still two-thirds of the new federal minimum wage that takes effect on July 24, and it's more than half the highest state minimum, $8.07, in the State of Washington.

Consider that the lowest paid workers pump almost a whole day's pay into the tank every time they fill it up. Even people making a decent wage, say $20 an hour, are spending an entire morning’s work just to pay for gas.

It's the same all over. In our must-have culture, where most families have to have two incomes in order to survive, people from the top to the middle and on down, everything is being eliminated but the basics.

No one is immune. For single moms, it's getting ugly.

Christina McLaughlin, "KristieMac" wrote about the impact of rising gas prices on her blog for the Houston Chronicle's Chron.com. She posted personal experiences, giving thanks for the good fortune of flexible work and having enough to cover bills, while lamenting economic pressure and the nixed vacation she dreamed of taking with her daughter.

Canceled vacation plans, fewer outside-the-home activities, less eating out, and just plan less. One by one every extra is slashed to make way for gas and groceries.

But, what happens when there are no more extras to cut, no more plans to cancel? Me, I'm what happens.

Money, the image that money brings, meant a lot to Jake. I couldn't get a bookshelf or a pair of shoes without checking in first - I would have gotten a look, a comment, a day of silence. A plane ticket to see a friend for the weekend, that was out of the question. We didn't have the money to spend it recklessly.

The thing was, we did have the money. And when Jake wanted something, he would get it. He was an impulse furniture buyer. He bought a $300 humidor on whim.

He thought that, because he made more than I did, financial decisions should be his. He was uncomfortable with feeling this way, he tried to pretend he didn't, but he did.

I have mixed feelings about money. If there's not a cushion in my bank account, I get nervous. My cat might need surgery again. My car might fall apart. I want to be prepared. And, for the most part, I don't spend a lot. I don't like shopping. I don't have expensive taste in anything.

But I want to see my friends, and I'm willing to throw down for a plane ticket to do so. If I have the freedom and ability to travel, I want to do so — I might not be able to later. If that means carrying some debt around for a couple of months, so be it. I don't want to be irresponsible, but I also don't want to give everything up. So I try to balance.

I definitely have less money now that I'm divorcing. I have to watch things, especially since I have to guard against the day my settlement payments stop. But I love that I can take a class if I want to and not have to justify it to anyone. I can go on vacation. I can get a bookshelf.

I used to wonder about couples that had been together for years but still kept separate bank accounts. Now, I see the appeal. I don't know how willing I'd be to get back into shared finances. This way, I know exactly where everything is, and my choices about what to do with what I have are mine alone.

As if I didn't have enough going on already, I decided to add more to my plate. Something major.

I've decided to go to school. I've wanted to learn cinematography and film production for quite some time, and now I'm finally going to do it.

I stumbled across the program a few months ago while doing some research on the Internet. Of course, like anything of its kind, it's pretty expensive. However, they had some information on the site pertaining to grants and other sources of financial aid so I decided to go for it, and I applied.

It was a daunting application complete with questions like "Why should we give this money to you?" and "Explain your commitment and desire to be in the film program." The last question was an essay. I did the best that I could — it took me all day — and sent it on it's way. I didn't get my hopes up, though.

So I was shocked when I received the letter that I had been selected for not one, but two grants. They cover the cost of attendance and then some. I'm also taking out a few student loans so that I can spend more time focusing on this.

I enrolled in the accelerated summer program, so that I can start earlier, cram a bunch in, therefore finishing quicker. I always have enjoyed moving fast.

This is going to be great. It's going to give me something to focus on, something more important than Levi and all of his bullshit. There are some fabulous classes that are going to provide me with excellent opportunities for creativity. And I'm going to learn how to do something that I know that I will love doing.

Classes start May 19. I can't tell you how excited I am to finally be doing something good for myself.

Getting a settlement is handy. Since Jake owns a company, since the company is lucrative, since we were married for 10 years, and since he's not an asshole, mine is a decent one. More than decent, really. Because giving me what we determined is "my share" all at once would effectively close his company down, our arrangement is spread over the next five years.

This means that I can afford to stay in San Francisco. This means that I have some money to invest against the day the payments stop. This means I don't have to panic about money for the next little bit.

This also means that he and I are tied for the next five years.

I didn't want any money from him when we split. It felt wrong, somehow. It felt icky. I didn't want the tie. I'm rational enough to take it, but we're still in a relationship this way. This necessitates communication. There's a monthly reminder. It's a connection I don't like having.

Sometimes I wonder if the complete and absolute freedom would be worth it. But this money means that I am having a far, far, far easier time of it than other women in the same situation. With all I have to worry about, paying my bills is not, for the moment, one of them. So I feel enormously guilty for the bad feelings I have.

How do I not feel guilty for resenting this? How do I accept this help while hating the ties it makes and keeps?

So, are you all ready for this...Levi actually did something! He called Adrian's doctor and paid his $180 bill. Wow, right? I was pretty amazed myself. I think it took me three minutes standing in front of the receptionist before I realized that my mouth was hanging open.

When I got home, I checked my e-mail and I had this from Levi: "The bill has been paid and they will see Adrian. You can call the doctor's office, go to future appts etc. They will help you get free insurance. They said they told you this but you never followed up. You never follow up with anything."

Okay, that pissed me off. I actually hit the roof on that one. How dare he imply that I don't follow through in regards to my son, in regard to my son's health! Does he have any idea how insulting that is, especially coming from him?!

I mean, geez...he pays one bill — one bill that he was ordered by a judge to pay — and suddenly he thinks he has the right to imply that I'm not a good mother.

Do I need to remind him that I've been here since day one? That I'm the one who takes him to the doctor? That I'm the one who cooks him dinner, gives him baths, takes him to the playground, etc.? Does he need reminding that Adrian climbs into bed with ME at night, that I'm the only one of us that he knows?

I suppose he'd like it if I got down on my knees and thanked him for paying the stupid bill. And you know what, maybe I should, because its really a miracle.

I would really like to believe that Levi did that because he actually has a conscience and it was starting to get to him. I'd like to believe that he paid it out of concern for our son. I'd like to believe all of that, but I'm more inclined to believe that he paid it simply because he's worried that he'll get in trouble if he doesn't.

It's always all about him.