I can 100% relate to you re drawing just for the money. It's happened to me before as well, I had a few debts to pay off, needed money, so dropped art prices and picked up more work, and tried to get them finished asap. I stopped spending hours just observing the photo's supplied to me, trying to understand the animals personality. I just drew what was in front of me, a 2 dimensional 'non-existant' pet that I had no connection with.
Now I adivse all clients that they MUST be prepared to wait up to a few months depending on my work load. I like to take in the photographs, question the owner about the personailty of their pet, funny habbits, etc. then REALLy stare into their eye, so that I feel as though the animal is staring back at me. THEN I can start drawing, because I feel as though I am drawing a real, live animal that is sitting before me.
I may be considered a bit of a looney but I also talk to my subject while I'm drawing it, helps me to stay in the notion that my subject is real and alive!