I just don't understand why you seem so resistent to get a thermostat. You say if I need one, it isn't an "if." I'm caring for a blue tongue skink, one of the hardiest reptiles alive, and I still use a thermostat. If you don't have the money for one, you never had the money for a reptile in the first place.
Seriously, Canada Shmanada, just buy one.
