Reply #2: That's a reasonable suggestion but she won't do it.

[yardwork]

For years she's had these broken-down horses that she treats as pets (they're unrideable) but she refuses to part with them. When she gets a little money she doesn't pay off her debts or put it in the bank to pay rent or mortgage at the end of the month. Instead, she spends it on yet another horse or another animal or some piece of furniture.

She can't get along with other people, so roommates are out of the question.

Edited to add - I will suggest a roommate. It might help her out financially in the short-term, before she gets mad at them and throws them out.