It sounds like your little Yorkie could be fine either way. She probably will adjust and form a bond with her new family. I saw on Dog Whisperer (no flames please) that it is mostly a myth that a dog will grieve for a long period over it's owner. That dogs in the wild have to occasionally leave and form new packs. They leave one pack and join another and they adjust to their new pack. I believe that's why the lady that has her is giving her some time to bond. AND she is taking care of her physical needs, which is also important.
On the other hand, if your finances are about to improve, then I believe your little girl would be equally fine with you.
Sometimes the hardest thing to do is the right thing.
When my son was born, I was working full time and a single mother. I had an elderly maltese that basically got left behind for a few years. I didn't have his teeth cleaned, etc. Though it didn't enter my mind at the time, I wonder, would he have been better off with someone new that had the TIME and the MONEY that I did not have during those years? Much as I hate to admit it - maybe he would have. Selfishly, I would not let him go but. . . I wonder. His last years with me were not great for either of us despite the bond we had previously formed.
Whatever decsion you make will be the right one. Either way, I believe that your little girl will be in good hands.
You are second guessing yourself now - which I understand. Think it over for a couple of more days and see how you feel.
I hope you find peace with whatever you decide.
