I understand the whole money problems thing, but if you are having an issue with the cost of heating your own house, It doesnt sound like it was the best time to purchase an animal to take care of. It's not really any of my business but you put it out there so.....
It's not that i don't have money to heat the house, money isn't an issue, its just more cost effective to not use the furnace when it doesn't get very cold during the day, and temps change almost day to day, so unless it is consistently cold there is no point to use more resources than needed.