Originally Posted by abitbroken
Honestly, i would never agree to this arrangement. I would rather live in a tiny apartment that neither of us own with a husband than basically live like children under his mom's roof. She is the lady of the house in this situation and you are the little girl that has come to live with her. I would talk to your husband about mom buying him out of the house or selling it and buying a small little tiny house for just the two of you.
I get the idea that buying is more stable than renting - but renting is just fine during the transitions of life - being newly married, moving to a new area and you are not sure if you like it enough to buy yet, or if you cannot afford to buy without financial help or having a bunch of roomies.
you should NEVER have to give your MIL money. Rather, that utility bill should be in YOUR name if you pay it. If you bring $250 a paycheck, you can afford one of the utility bills. Unless you are college age and they are YOUR parents, do not agree to any arrangement where you pay bills that your name is not in unless it is your spouse's and you are paying the "house bills".
As far as "dead money" with renting - what is more important -- home ownership or a marriage? Honestly, if this goes on, I would leave, i would find a job and tell your husband you can't live like this anymore if he refuses to have a plan to move out or buy mom out or have mom buy him out.
Some parents do gift their kids with house downpayments, but they don't move in and are paid back. If mom was 99 years old and very frail, i could understand having her live there but this is not the case