There is a lot of good advice on here, but I would remind you that its *YOUR* house, unless her name is on all the bills and the mortgage. Been there, done that[twice]. the first time I ended up with the shirt on my back(almost literally) and $29,000 in debts, the second time I figured out that it was *MY* house, and sent her packing.

That being said, you need to be up front with her about *EVERYTHING*, and if she can't deal with it, show her the door and start the procedings yourself. You can either work out your problems and have a decent life, or you can start over. Remember that real life doesn't have fairy tale endings.