TheHandOfChange

Planning is good. However, I would not let the lack of a complete plan stop me from starting good habits. For example, stop using charge cards. If you need to buy something, use cash. If you don't have the cash, don't buy it. It's rough but it is a start.

You can make a servicable plan in a few hours, however, so there's no reason to not get to it immediately.

How about upping your 401K contribution at work? Or score an IRA. If you're not sure, try a CD for six months. You won't get rich but maybe you can keep up with inflation.

I second the idea that the pet store may not be the best place, especially for dogs. The reason is that in many cases the puppies come from "puppy mills." A puppy mill is a phrase that implies the owners don't treat their animals well and don't plan breedings that produce better animals - they breed for quantity, solely to produce a product to sell. That's no way to treat a friend.

While many disagree, my concern is that dogs from the pound are sometimes there for a reason. This could include anything from aggression to being not house-breakable. This may not be the best choice for a first-time dog owner!

There are also breed-specific rescue organizations. Google 'greyhound rescue" for examples.

Instead, I recommend you find a breeder who is a member of the American Kennel Club. These breeders meet a higher standard than your typical puppy mill. The goal of an AKC breeder is to produce show-winning animals. What they are selling are the ones that are perfectly good but aren't show-quality for some reason. You also get to talk to the breeder and you'll usually get a health guarantee.

I lived in 75 sq foot bathroom that had been converted into a bedroom. So ya, I could do it.

And probably like it.