TLDR - MIL has moved in with us and I feel like I can never relax and just have a normal family life with DH and DC. Any tips?
MIL split up with her ex and was left with no choice but to sell her home. The equity left meant she could only afford a flat here or a small house in a neighbouring but less desirable town. MIL wasn't prepared to do that.
We were moving at the time and DH suggested if we pooled resources we could get somewhere bigger with space for her. I didn't love the idea but didn't have much choice.
We found a nice house but it doesn't have a separate granny annex. It has a second lounge and a downstairs ensuite but we have to share the kitchen.
MIL put in 10% of the purchase price, we put in 25% and took a 65% mortgage. MIL doesn't contribute to mortgage or bills as she can't afford to. Her spousal maintenance goes on running her car.
DH took redundancy 5 years ago and is the primary carer for our 2 school age DC. He does some part time work but earns about 10% of what I do.
Therefore I feel the financial responsibility for the mortgage, bills and general keeping a roof over everyone's head.
However, my bigger problem is I don't feel like I can ever relax downstairs in my house. I don't enjoy her company. She's racist and opinionated. She talks at me when I just want to relax or cook dinner in peace after a long day at work. She makes tit for tat judgemental comments about things like the dog's food being left out all day because I'd asked her to get rid of some rotting fruit. She disciplines my kids when it's none of her business and they are just being a bit loud when playing.
There's not really any chance of things changing so I'm looking for ways to feel like it's my home and to relax in it without constantly feeling irritated by her. Any advice?