So, as a family you can’t afford any luxuries or holidays. But as an individual you can afford cosmetic surgery because someone else is prepared to pay for it? While as a family you are living hand to mouth?
Are there debts too? Other than the mortgage? Because you’re being very cagey about the state of the family finances as a whole.
As for not affording to work because of it all being swallowed in childcare, in the short term I sympathise with this view, however in the longer term the longer you stay out of work the harder it is going to be for you to go back there. Sometimes having a salary swallowed in childcare is the price you have to pay to ensuring that you stay in the employment market and are able to earn more when the childcare is no longer an issue.
And I speak as someone who was a SAHM for years and whose dh’s job made it impossible for me to work (but that’s another story.) but years on I found myself in a position where, having not worked for a number of years employers won’t look twice because they have people with current experience to employ. I don’t regret having been a SAHM for anything, however in retrospect if I’d known then what I know now I would have gone back to work even if only for a couple of hours a week, because now I’m older and am virtually unemployable.
When my sister went back to work to keep her career open I was doubtful this was a good idea as her childcare costs were high. Now she has a well paid job and her career hasn’t skipped a beat, where as others who will have given up work at the same time and not gone back for several years will either still be unemployed and unlikely to be able to find anything meaningful now, or will be several years behind in terms of their careers or potentially not even been able to return to those careers at all.
It’s worth definite consideration.
As for your DH, while I understand that the money is for you from your dad, I can also see why he is resentful.
But presumably if he inherited a large sum you’d be happy for him to spend it on luxuries for himself?