“Why take out a mortgage? You can live with us—we’ll give you our house!” said my mother-in-law, urging us not to buy our own home. My husband is their only heir, but his parents are in their mid-forties, while my husband and I are just twenty-five, both working and currently renting. I worry that living with his family will strain our relationships and that I’ll never feel like the true lady of the house, always adapting to my in-laws’ ways and enduring my mother-in-law’s kitchen rules and Friday cleaning rituals. Though she means well and assures us we’ll inherit the house someday, I long for independence now, not decades later.

You can live with us, why bother with a mortgage? Youll get our house one day! declared my mother-in-law firmly, her voice echoing down the hallway.

Helen was always trying to dissuade us from taking out a mortgage. She insisted we move in with her and my father-in-law, Stephen, arguing that since my husband, Andrew, is their only child, the house would eventually be ours anyway. But Helen is only forty-five, and Stephen forty-sevenhardly ready to surrender anything.

Andrew and I are both twenty-five, trying to carve out our own future. We both work, and our salaries are just enough to rent a modest flat in Manchester. Im reluctant to jeopardise our relationship with his side of the family over the strain of living together and the daily pitfalls that come with it.

His parents are adamant about us living under their roof. My own parents have a three-bedroom flat outside of London, plenty of space for everyone, but I dont want to encroach on anyones territory and feel like a perpetual guest. Nor do I truly feel comfortable in the home of my in-laws.

When lockdown started, our landladyMrs. Brightasked us to leave so she could move her niece and family into our place. We couldnt find a suitable flat quickly, and ended up at Helen and Stephens house. They welcomed us with open arms, and Helen didnt torment me with criticism, but she was constantly correcting how I did things. Helen was different though.

We had already talked about getting a mortgage, but that was the moment it hit usit was time. We decided to save every penny while we could, though I yearned to move out as soon as possible. Renting would mean scrimping for an eternity, so we stayed on for a while.

Stephen and Helen kept out of our personal matters, but had their own traditions and peculiar routines so unlike ours. Andrew and I had to constantly adjust to their ways because wed come into their kingdom. It may seem trivial, but the constant feeling of being out of place gnawed at me.

From day one, Helen made it clear the kitchen was her domain. She gently informed me, The kitchen is my realm. No one else cooks here. But I struggle with the food she preparesshe loves hefty doses of herbs and is far too generous with onions.

It sounds minor, but it isnt. The day I decided to cook for myself, Helen took offence, believing I was undermining her as a hostess.

And every Friday, Helen launched into a full spring-clean after work. When Andrew and I crawled through the door, shattered from the week, all we wanted was to collapse into bed, but Helen was visibly disgruntled, huffing that she was doing everything alone. I once asked why she didnt just clean on the weekend. She replied almost matter-of-factly, You should rest at weekends.

And there were a hundred little things more. All this time, I found solace that Helen never belittled meit was simply her way of living, and it was only temporary in my life.

Andrew and I agreed not to tell his parents that we were saving for a place of our own. We paid half the bills, chipped in for shopping, and saved the rest. One evening, we were chatting about the new car Andrews cousin Tom had bought. Stephen piped up, suggesting we think about a car too, but Andrew blurted that we were more interested in buying a house.

How many years will you have to save? Stephen asked. Andrew explained that we werent saving to buy outright, but to put down a deposit for a mortgage.

You could live here! Why take on a mortgage? This house will be yours eventually! Helen insisted.

We tried to explain our desire for independence, but they dismissed it as nonsense. Youd be daft to pay all that to the bank! his parents exclaimed. When Helen saw she couldnt sway us, she changed tack, urging us to focus on having children, not on getting a mortgage.

Every day became a fresh barrage of arguments for living together. Her words did little to change my mind, but Andrew was beginning to cave, slowly absorbing her perspective until one night he looked at me and said, We dont need a mortgage. Mum is right. Were living peacefully, no rows. And when the time is right, the house will be ours.

In fifty years! I snapped, frustration boiling over.

After that, Andrew talked increasingly about how his parents were getting old and might need care, and how a mortgage was a shacklewhat if I went on maternity leave and things got difficult?

But I want to be the lady of my own house now. I dont want to wait for Helen to pass away before I can truly call someplace home.

Rate article
“Why take out a mortgage? You can live with us—we’ll give you our house!” said my mother-in-law, urging us not to buy our own home. My husband is their only heir, but his parents are in their mid-forties, while my husband and I are just twenty-five, both working and currently renting. I worry that living with his family will strain our relationships and that I’ll never feel like the true lady of the house, always adapting to my in-laws’ ways and enduring my mother-in-law’s kitchen rules and Friday cleaning rituals. Though she means well and assures us we’ll inherit the house someday, I long for independence now, not decades later.