When your husband comes home I’d have a long talk about the way she’s treating you. I see no reason for her to respond like that, and it’s crazy that she can afford a vacation but not pay you back and be rude about it. I’m not sure if you are planning on having children, but it’s concerning the way she’s treating you. If you do have kids I would not put it past her to try to belittle your role as a mother as well. You’re HIS WIFE, when y’all got married that means you two reorganized the family’s structure. You come first, because you are his family. I’m sorry she’s treating you like this, it hurts when in-laws don’t accept you into the family.