Can you tell more? How much you pay for 老爺 家用、日常必要開支? and extra? How much you pay for the flat (you are living)? How much you pay for your 老爺's flat (一半用我老公名義買o既一個二手flat)? We don't know those details, it is difficult to give you advise.
Your 99 can rent her flat (you are living now) for someone. Then, your 99 can use the rent to pay for 兩老新住所月供(銀行還款)、管理費、差餉、水、電、煤及日用品等。
And your husband only need to give his parent some living expense, say 4k per monthly.
You 2 rent a flat outside. May be 7-8k (or find some cheaper one).
Then, you will not have such kind of feeling: 一家三口庫房快被99陰乾了!!
Tell the truth, you may only 2k more monthly. Most important, you don't need to look at your 99's face as you are not living in her flat!!!
But 20k per monthly is not enough for a family of 3 people (if you haven't get a public house). You are better to work outside so that you can have more $. (so that you can give some to your parent monthly)
I think yes.
It is because they are living in their 99's flat (fully pay and don't need to 供).
So they need to 供62 99 住的居屋, (係her 99 + husband個名). They exchange their flat with 99's flat because her husband don't want to live in 居屋, right?
There ae some place to take care of new born baby (from 4 month to 2 years). For full day, about 2xxx.
If you earn more, you can hire a bun bun / yan yan.
You don't need to give your baby to your 99.
I am sure there are lots of parents here not give their baby to 99 and can work in day time.