No, you aren't the jerk. It sounds like she has been sponging off you for some time now. Here is a question for you: did you consider all of these things when you two moved in together? Probably not. Also, there is no way to break it off with her without hurting her. I mean, she drives YOUR car, lives in YOUR apartment, and is splitting YOUR cell phone contract. This can go either way. One, seek professional counseling or Two, seek a lawyer. Do you want to stay together but have problems that you want to TRY to work out or do you both just want out and need to seek advice on the finances from a lawyer? Consider this....Good Luck