I have to tell you Kay...you are an amazing person with what you do with your money. The way you manage it is to be commended by all of us. You work in the fast food industry, and you are able to take good care of four dogs. You should be a great example here. A great example of budgeting correctly, saving money, as well as, earning what you need.

I'm not trying to hijack this thread. Only trying to comment to Kay that I think you have earned the right to give your opinion and advice here.

This illustrates that it can be done by anyone that wants to work hard enough for it.