Hi balloo
it is such a tough decision to make; I'm glad you are taking time to consider
as little sheltie says your care should
not [be] to the detriment of your own health and sanity
I'll be upfront - you may not at all agree with what comes next - of course, ignore completely if none of it is appropriate to your situation
I didn't live with dad but was spending so much time with him I pretty much only slept and woke in my own home - so gave up work to care full time - I was lucky, no mortgage and I live alone so carer's allowance just about covered major living expenses (and I had a lot of savings) - I did eat with dad and took him everywhere so the deal was I didn't pay for food and he paid my petrol - he has very good pensions and savings and had lower rate attendance allowance, and no council tax (both of which I arranged)
so he used those to have carer visits for the morning - so I could go over for the day after that and know he was usually up dressed and breakfasted (less so as he refused more) and an evening carer - both took the stress of some personal care from me
I also shared care for him so had some days off - and for a year he had first one day then 2 at day care, which was really good for him - he paid
that lasted nov 2013 to apr 2015 when he went into his care home as he wandered and for lots of reasons I am not able to live with him - he has been generally settled there but some of his slightly challenging behaviour when he was home has escalated at times and I really could not have coped with him, he was very close to being sectioned but the staff have worked so hard to keep him in the home
I was so tired I chose to not look into working straight away - of course lost the carer's allowance - so am living off my savings - and back to paying food and petrol myself; I visit dad 4 days a week generally to see him through the early evening as that is when he is most likely to become anxious
I'm 58 and have decided to take early retirement - my pension will just see me through, though taking it now means I will keep the remaining savings I have, so I don't need to count the pennies any more, just the pounds
I don't regret anything - but it has taken it's toll financially, that's for sure, and the effect is for the rest of my life - all my decisions only affected me, so that's fine, my choice - I don't have a partner or children to take into consideration
mum and dad too always said they'd saved to give me a good inheritance - even while mum was alive I told them to spend more and treat themselves, that their money was theirs and they should enjoy it - fell on deaf ears
dad, though, happily spent money on mum's care when she had a stroke - new car to take her wheelchair, alterations to the house, regular carers - so when it was dad's turn I felt he had pre-sanctioned any payments needed for him to be cared for - no way would he want me to work myself into the ground caring for him alone - he never wanted to be a burden, he said - in fact he would never, if he had been able to understand, have agreed to me giving up work, to him working hard was a source of pride - but then caring is hard work too! - and he considered every adult should pay his or her way - he never, though, wanted me to go without
I'm writing this just to let you see how much decisions do affect the rest of our lives - I'm not suggesting that you haven't thought through your own situation - just be entirely sure
I've only just sorted out my pension - I lived the last year thinking I would have no income for another 2 years, and worrying that my savings would run out - it's only now that I feel secure again that I've realised what a weight that fear was, constantly in the background, influencing every decision
it's no real security to know there will be an inheritance some time - mum and dad may have expected to pass on their hard earned money to me, lovely of them but I'd rather it was used to make sure dad is comfortable, and he would never have expected me to sacrifice now for some 'promise' of future money - he has always paid his own way
so although I appreciate that you don't want a care home to get your MIL's money, that respite and day care is expensive, and carer visits cost £20 an hour, my guess is that she and her husband expected to pay their way in their lives and didn't expect their children to sacrifice for them; if you lived with her, you would pay your way, your share of bills so that she wasn't out of pocket and pay for any care you needed - why not use her Attendance Allowance and pension to pay for extra care for her now to make her life and yours more manageable
your business is clearly important to you as the person you are and is a connection with the larger community - starting up again in the future will be costly and difficult, no doubt - please try to find a way to keep it going, whether or not you keep caring for your MIL at home
that's all from me
I have nothing but respect for the amount of care and caring that you provide for your MIL - just don't forget yourself, you are amazing and deserve to have your needs taken into account equally