" I guess becoming homeless doesn’t happen all at once. My mom told me once that money problems sort of sneak up on you. She said it’s like catching a cold. At first you just have a tickle in your throat, and then you have a headache, and then maybe you’re coughing a little. The next thing you know, you have a pile of Kleenexes around your bed and you’re hacking your lungs up. "

― Katherine Applegate , Crenshaw