PIL are very well-meaning, but very insensitive; I have recently decided to become a SAHM - as I was the main breadwinner, this means a drastic change to our income - we essentially break even on DP's wage.
Typically babyboomerish, PIL go on at least 1 cruise and lots of minibreaks every year. We were talking about their next few trips at the weekend and FIL said - not for the first time - "you should go on a cruise, you would love it". Neither DP nor I had (pre-DS) or have now any desire to go on a cruise - but more to the point, we don't have £3000 lying about to spend...if we did, it certainly wouldn't be on a cruise. After DP said as much, FIL then went on to suggest that we should go on a gastro break to Northern France, as they often do this with their friends on the spur of the moment and it's great fun. Fine, if you don't have a 7mo baby and you've got the cash to spend on last minute tunnel, hotel, food & wine...
We have mentioned several times to PIL that we are likely to be holidaying in the UK for the next few years - and only then if we can afford it. "Ugh, Wales" was MIL's reaction when I said we were thinking about going there.
We certainly don't mind hearing about their trips, so it's not sour grapes, as we've been on good holidays ourselves, but I wish PIL (and especially FIL) would be a bit more sensitive to the fact that we just don't have that sort of money any more and stop making suggestions that are way out of our budget!
And just to set it all off nicely, my own parents called up this lunchtime to see would we like to go on holiday with them, all expenses paid, as they know we're skint... that's more like it!