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.

I don't think dating will ever be the same again. It seems impossible to not end up at least slightly jaded after going through the divorce "process." And it seems to me that that makes sense.

I loved Levi with all of my being. I was in such awe of him that it's astounding. I would have done anything and everything for him — and I did. We did everything together. We had big goals, dreams and ambitions; we worked together to achieve them.

So then, it is understandable that after watching those dreams all come crashing down, after understanding that your heart can literally feel broken, that after experiencing the most devastating feelings that one can possibly feel, that you wouldn't want to set yourself up for that again.

I feel sometimes that I am fast-forwarding my current relationship as it happens; like I am writing a book and in a sense, writing our ending. This helps me to feel in control. Being in control is my new comfort zone.

I really like this new guy a lot. I've dated him for three months, which, since Levi, is a new record for me.

Thing is, it doesn't feel like it did before. Only on a rare, fleeting occasion do I ever feel that giddy euphoria, "new love" feeling. Only on occasion do I feel like I'll even care if he leaves.

It's as if I suspect he will.

No matter how hard I try, I can not let my guard down. I'm not sure if I will ever be able to give someone the power to break my heart again. And maybe that's better. Maybe a heart can't be broken twice.

Last week in "Since You Asked," Cary Tennis's advice column on Salon.com, a young woman in a sad marriage suspects she shouldn't be married at all and wonders how to be happy again. The poor thing is caught between the guilt born of a religious family of origin who believe divorce is a sin, and a self-evident truth that she got married too quickly and simply doesn't love her husband.

She even says her husband is a perfectly nice guy. Huh. Sounds familiar.

Tennis's response blew my mind. It validated her (and my!) discomfort as perfectly legitimate and pointed out that leaving the marriage is not a selfish act but instead rectifies the previous selfish act of marrying for the wrong reasons.

Staying in a marriage that cannot be fixed is continuing to patch something that is monumentally broken.

Further, leaving would release her husband from marriage to a wife who doesn't want to be with him any longer, and he could move on. In this case, if the act of leaving is not an act of service to another, I don't know what is.

Cary also talks about how we all carry with us something like a personal truth — he describes it as a package we clutch to ourselves through thick and thin — and suggests that in her case that truth, the thing that defines her and that she is compelled to honor in her life, might be the spirit of freedom.

Perhaps she is a free spirit and marriage in general is not a good fit. Amen. I don't know if he has her figured out, but he sure has my number.

For someone who allegedly doesn't like to gamble, I sure seem to be doing a lot of that these days.

And it seems that I only engage in high-stakes ventures. I have always loved a challenge. Unfortunately, this time around, I am on a serious losing streak.

For the past three months, I've been hedging my bets in the professional world, to no avail. Recently, I've been wagering my personal life, too, with the same dreaded results. Just when I think I have a winning hand and that the cards are in my favor, the house rules.

I've been wondering why I even bother to take risks at all. In the midst of such a volatile market, wouldn't it be far easier to just take the safe road, at least until things stabilize a bit?

The problem with that rationale: the safe road is boring. Taking risks involves stepping out of one's comfort zone — something many people are afraid to do. This fear keeps many people from going for what they ultimately want, jeopardizing their happiness in the process.

I have never been one of those people, and I can't justify becoming one of them now, just because life has taken a rather rocky turn.

Imagine? YOU could take The Gold every time!

Inspired by the Olympics and delusional that I somehow can still get my body to look like those women's volleyball contenders, I was thinking...

There are so many things a divorced gal becomes proficient at by necessity — by herself — that there should be some way to get credit for it. Just maybe there should be some kind of Divorced Women's Olympics.

There would be global contenders.

Here are some divisions in which any one of you could take a medal:

Grocery Power Lifting

The Financial Balance Beam

She-Man Provider Competition

Single Mom Relay

Solo Wrestling With Yourself

Set the Table Tennis

Laundry Volleyball

Extreme Soul Searching

My favorite? The Divorce Decathalon!

"Heptathlon" actually is the proper word for the female version of this track and field competition, made up of these seven events: 100 meter hurdles, high jump, shot put, 200 meter sprint, long jump, javelin throw, and the 800 meter run.

As we all know, this sounds like a typical day BEFORE lunch.

The final event would be the "Late Life Luge"...jump on, hang on, close your eyes, say a prayer, take the ride of your life and hope you make it to the finish line in one piece.

The last one might take some extra practice but since you've got nothing to lose — you might as well Go For The Gold!

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.

In my ongoing quest to spend a month happily living solo, I decided to spring for some fresh, fanciful fare.

I've just finished reading French Women Don't Get Fat. It seems the French drink a lot of champagne and that, somehow, ingesting quality ingredients keeps their women from over eating.

I scored beautiful local goat cheese at the Hastings Farmers Market and picked up a lovely pink Brut for under $40.

I don't usually drink alcohol while I'm alone, but I'm in survival mode and the kids don't get back until after Labor Day.

Popping the cork and pouring the Brut into a pink marabou martini glass, purchased at the TJ Maxx bargain rack, life seems sort of okay for the moment.

This was not a reward for spending a month in isolation. I don't need a reward, because I know that a workshop or trip to the Omega Institute is coming up.

However, I'm convinced that every night I spend alone is going to help me be a stronger person.

Admittedly, as I'm having these thoughts, there is a strong craving for a Valium or something else that will make me feel numb.

I used to feel desperate if I didn't have a man in my life. I still feel desperate, but when I compare the relative peace of my little blue house in Hastings to my married life in the mansion, with my over-the-top, angry ex-spouse, I'm satisfied with my decision.

But when I think of the things I gave up to be a hermit, I want to cry. Family and friends from the last 20 years are gathering on Fire Island this month to swim, laugh, and sail together.

Flirting with single guys, and sometimes even the husbands of my friends, chatting with the hunky lifeguards, and making the rounds to Saltaire, Fair Harbor, and Kismet were all part of my married life.

Feeling popular, rich, and loved seemed ingredients for a perfect life. But they're not.

"Marriage makes you soft," I once told my female co-workers. This was a few years ago, during a very active hurricane season here in Florida.

My husband, Ed, was spending time in rehab, so it was up to me to get the house ready for an approaching storm. I was not handling the task very well.

I'd been doing okay working full-time at a new job, taking care of our many pets and, when I was permitted, driving 15 miles through traffic to visit Ed. But I quickly wore myself out hauling in the lawn furniture, the plants, the grill and all the other stuff we kept outside.

In a hurricane, that stuff becomes projectiles.

And then there was that little matter of the steel storm panels, the ones that are supposed to be secured across the sliding glass door. I'd donned high-top sneakers and leather work gloves to give it the old college try, but by the time I'd hauled 3 of the 12 heavy panels from storage, I was exhausted.

Surprised and frustrated to find that I really couldn't do it all, all by myself, I burst into bitter tears.

Surely I had not been such a wuss before I became a wife.

Wuss or no, I still had to secure the house.

The next morning, as insistent breezes announced the proximity of the storm, I was back at it, determinedly ferrying the storm panels to the front of the house. Two of my neighbors, Bob and Joe, were outside, so I stopped for a few minutes to chat. As I prepared to get back to work, Bob asked, "Do you need some help?"

Do I what?

I almost said no. I'd always thought of myself as independent and completely capable. But common sense prevailed.

Bob and I got the panels up in a matter of minutes, during which I realized it is a two-person job. Duh.

When we finished, I barely managed to keep from crying as I thanked him profusely.

"It's nothing," he said. "That's what neighbors do."

What would happen if I just made up my mind to leave? How would life change for me and for my family? Would I find the inner peace that I lack right now? Would everything magically get better?

I'm not delusional. I know that it would be ridiculously hard. Most of all, I know that it would be a really difficult transition for my kids. They're young and as far as they know, mommies and daddies stay together.

Did I say it would be "difficult?" Maybe I should change that to "horrible." "Tragic." "Life-altering."

"The end of a secure life."

Am I being dramatic? I just try to think of what it would be like if a life truth was suddenly changed for me. What if my house burned down? What if I lost my arm? I can only imagine what it's like to suddenly have everything change.

I know that I would recover just fine. I know the process would be painful, but in the long run I think that it would make me happier overall. Then again, how can I be happy when I cause so much pain to my kids?

What a tangled web.

If I one day suddenly blurted out, "I can't take this anymore. I need a divorce," then it would be a bizarre combination of a huge weight lifted off my shoulders while also opening the door to a bunch of new drama and turmoil. It’s like I know what I want the eventual outcome to be, but I don't want to deal with all the stuff in between.

So what happens if I just make up my mind to leave? The world will be turned upside down. My life will never be the same again. The question then becomes, will the new life be better, and worth the effort?