No, you are not a bad person. Don't let Talan push you into this. You own the home, right? Not Talan. The beauty of this is that you make the decisions. Not him. Too bad for him.

Stay strong woman!

Another possibility to be aware of is that if you let her move in you may have a difficult time getting her to move out. Don't let that happen. It's your home.

Talan needs to support you more. Not just financially but also respect your decisions. You have serious issues to deal with, i.e., the electric bill, the frozen pipe situation should be addressed, your long drive to work and what will you do this summer? These are all issues you have discussed here. Don't let him bring another pet into the situation and don't let him pressure you into letting her live there.

Stay strong. You can do it.