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1) Don't tell her you've sold your flat.2) Remember that advice is meant to be given but seldom taken.3) Count yourself well out of it all ~ tell her you too have financial problems and cannot help.4) Be pleased that you can now say "I told you so" ~ a small but immensely satisfying inner glow will result.5) Withdraw from the whole thing & let her get on with it ..... A muttered "Yeah ~ Life can be a bitch" is not inappropriate.