Okay Mother is a tough one... As for money - there's lots and lots of kittens out there, not only in shelters, but in private homes or on farms... They just want them to be adopted. Cats don't always cost an arm and a leg. Have you talked to your mom?
1. Isn't an obstacle unless you mean like... kitty litter/food/vet.... you can adopt a cat for free usually. It might keep begging you to go outside though.
niiice. That's how I got my snek way back in the day. My mom and step dad were all... if you can save up for the terrarium, substrate, water bowl, thermometer, little hiding spot thing and the cost of the snek itself, go for it. They didn't believe I could do it. 12 weeks later, boom... now we has snek.
and aye mialinay!
2. Mother
Great minds think alike
Or as we say in Germany: two idiots, one thought
and aye mialinay!