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Debt Girl Gets a Dog…

You know how I’ve gotten into a lot of my debt? Impulse.

It was impulse to move to quit my job and move from hum-drum, low cost of living Midwest to California, it was impulse that made me get my tattoo and nose ring, and it was impulse that now has me saddled with a 6 week old side kick.

Remember when I said the Hubs and I were having puppy fever? Yeah, it didn’t go away after that post. As a matter of fact, over the next few days it ramped up. It’s spring, which means everyone has come out with his or her dogs. It’s like dangling a carrot in front of a rabbit, folks.

After being discouraged by rescues because we live in an apartment (um, it’s L.A. What young professional doesn’t live in an apartment??), I took to Craigslist to see if there were any ‘apartment friendly’ breeds that needed a good home.

You know, just to look.

Kinda the same way ‘window shopping’ goes for those with debt issues.

Google told me Boxers make great apartment pets and are good with cats, so I found a couple of breeders online who were giving pups up for adoption. On impulse, I sent the links to Hubs, who instantly fell in love with them. We made an appointment to see them in two days.

For me, Debt Girl the Impulse Queen, that wasn’t soon enough. So! I found a breeder who told us we could come glance at the pups that very night.


We went, saw this cute little scrunch faced thing and decided on the whim to get her. Peeps, our apartment was not puppy proof, there were no supplies on hand, and we don’t have a clue on how to raise a puppy.

As soon as we drove off, I began to panic. What did we do? How were we going to take care of this precious thing? And after I found out 6 weeks was too young to be rehomed, we both felt incredibly guilty. Why had the breeder let us take her???

That was on a Thursday night. I called in sick on Friday and stayed home with the pup so we could get acquainted. I’ve been in a state of panic ever since.

Hubs tells me that we’ll be fine and my dog owning friends echo that sentiment. It’s not helping though. I’m still in “Oh shit!” mode

Oh, and the financials for my little impulse excursion?


Adoption fee: $500

Supplies:  $241.31

 Total: $741.31


That’s not to mention shots, spaying, and a new crate once she grows.

Will I ever learn??

Here’s a couple of pics of the new addition:

keke3 keke2 KeKe1


I want a dog. And a new car.

Posted on

I’ve been having urges. (No, not those types of urges.) Urges to spend. On a few things I totally don’t need right now…

Like a dog. We have two cats already and live in an 1,000 sq 1 bedroom apartment. As a matter of fact, both of our cats are ‘fugitives’ because the landlord didn’t really want us to have pets. Even though our lease said we could have one with a pet deposit, we just decided not to mention it unless one of the critters damaged something (then it’s only right to pay for the damages). But both the Husband and I are definitely feeling the urge to get a doggy. We’re BIG animal lovers (I recently cried in Petsmart because a dog up for adoption looked sad). But everyone is advising us against it. In LA, it’s super, super hard to find apartments that accept pets, and VERY hard to find apartments that will accept three pets. My friends are all over me: What if the landlord found out? What if you got evicted? What if the dog gets sick? Don’t you know how expensive dogs are? Don’t you know dogs can’t live in apartments?? THEY NEED A YARD!!!!!

Oh come on! Tell me that’s not awesome!

Good grief.

The problem is I don’t think they’re right. I grew up with dogs, and outside of boarding them when we were away, they were never too expensive. And if we got a small-medium dog, he could totally live in the apartment. We’d walk him twice a day and Hubs could possibly come home from work to check on him.

But the doggy urge is NOTHING compared to the “want to trade in my car for another used one that’s more gas efficient” one. Folks, I’ve got the itch BAD.

I currently drive a 2005 Ford Taurus. It’s in relatively good condition, only has 73,000 miles on it. And it’s paid for. It’s the frugal superhero’s dream. The problem? I spend about 15 hours a week in the car and about over $300 a month in gas. While the car is in good condition, I fantasize about having a car with better mileage.

Ok, I’ll admit it: I want the shiny new features that some of the newer models come with: Sirius radio, sun roof, GPS. I’ve been salivating over crossover SUVs for about a year now!

Come to Mama!

Come to Mama!

Again, everyone is telling me not to do it. My car runs fine and is PAID OFF. Better not to mess with the Universe on this, they say.

Yeah, yeah, yeah.

I know they’re right on both things. But a want is a want.

What do you guys think? Am I wrong to want to upgrade my car and have my new doggy addition cruise around town with me?