Heading OT here...sorry OP....

I was recently at a house where I overheard the mother telling someone that she couldn't afford to pay her morgtage and had called the mortgage company to get a deferment. Later on, she was telling me about their cell phone plan "and it's only $130 a month!". As far as animals go, they have a dog, 4 cats, a guinea pig, 2 ferrets, a BIG bird, and some rats. I have no idea who's neutered/spayed....but if you can't afford a roof over your head, why on earth do you have a cell phone and animals?