All perfect praise be to Allah, the Lord of the worlds. I testify that there is none worthy of worship except Allah and that Muhammad is His slave and Messenger.
First of all, we ask Allah to relieve you from your distress, make for you a way out of your difficulty, reconcile between you and your husband, and make you both happy with each other, as Allah is the All-Hearer and He answers supplications.
Moreover, we advise you to earnestly supplicate Allah in all your affairs, as He answers the supplication of a person in distress and removes harm. Indeed, Allah likes to be asked, and when He is asked, He answers the supplication with His permission.
There is no doubt that it is your right as a wife to be in an accommodation independent from the family of your husband; you are not obliged to live with his parents, let alone others. In this regard, please refer to fatwa 84608. We recommend that you have a discussion with your husband in a calm and respectful manner and try to reach an understanding. You may seek the help of rational and wise people if necessary.
The husband is obliged to spend on his wife, and she is not obliged to spend on herself, even if she is rich. Yes, if she volunteers to do so, then that is good and may indicate her honorable descent and her keenness on having good relations with her husband. If the husband does not have money, then he must seek to earn and not live as a burden on people. Ibn Muflih said in Al-Aadaab Ash-Shar'iyyah, "A person who has no money to spend on himself and his dependents is obliged to earn money, and he gives precedence to earning to spend on his dependents over every voluntary act of worship..."
We have to stress that spouses should avoid resorting to divorce as it has bad effects, especially if the spouses are blessed with children. It is for this reason that some scholars are of the view that divorce is banned in principle and that one does not resort to it unless he predominantly thinks that it serves an interest. For more benefit, please refer to fatwa 86307.
Finally, we would like to point out two matters:
1- There is no harm in living a modern life and benefiting from its good aspects. Allah says (what means): {Say, "Who has forbidden the adornment of Allah which He has produced for His servants and the good [lawful] things of provision?"...} [Quran 7:32] But a Muslim must be careful not to let this life lead him to commit Shariah violations, like some people who are lured by this worldly life and its pleasures, especially those who live in material societies.
2- A woman should not go out of her home frequently, as it is better for her to stay in her home. She should not go out except in case of necessity. Allah says (what means): {And abide in your houses and do not display yourselves as [was] the display of the former times of ignorance.} [Quran 33:33] Also, it is not permissible for her to go out without her husband's permission except for a legitimate reason. Mere quarreling with her husband does not permit her to leave the house without her husband's permission.
Allah knows best.