She told me her husband is in the merchant navy and is away for months. The two of us have been having lengthy phone chats for a while now. I think I have fallen for her.
You have not met the woman or even seen her. You seem to have fallen for her voice and are believing whatever she tells you. You are just assuming that she wants to have an affair with you. For all your assumptions, this lady is just killing her time talking with you and nothing more than that. And here you are dreaming of a future with her. Banish such thoughts, concentrate on your job and if possible find a girl your age.
Diana will solve it!
Write to Diana at diana@ mid-day.com, or fax her on 24150009. You can also post letters to Dear Diana, Mid Day, Peninsula Centre, Dr S S Rao Road, opp Mahatma Gandhi Hospital, Parel, Mumbai 400012