What to do if you can’t afford to get a dog

What can you do if you can’t afford to get a dog?

If, like us, you cry internally all day every day, or mentally claim the office doggo as your own, please bow down to Todd.

Because Todd found the most inspiring option of all.

Living in a Melbourne sharehouse, Todd works as a manager in a call centre by day, and on the weekends takes charge of a very different set of needs.

He works with an animal rescue centre to take home doggos and puppers before they are able to find new people to love them.

“It is so rewarding to be a foster carer, you get to meet heaps of different dogs and save their lives until they are able to find a permanent home.”


This selfless act to save their lives also costs Todd nothing but love.

Which is very important.

Todd is in the middle of a life-turnaround. The 30-year-old had clocked up significant credit card debt in his 20s before realising it had to stop.

He spent the past year researching and learning about how to manage his money using budgeting platforms and through his loan process with MoneyPlace.

“I’ve always relied on my bank and I thought I could trust them to do right by me.

“But I saw when I went through my personal budget that this wasn’t the case. I contacted MoneyPlace to consolidate my credit card debt and saw just how much they could save me.”

Todd says by paying a personal loan rather than credit card debt, it pushed him to get into a lot more healthier habits so he could improve on his own.

“I’m now aiming to pay my loan off early and the flexibility of MoneyPlace’s payment arrangement and how everything is set up means it is easy for me to achieve this.”

Todd now plans for this loan to be his last ever.

As we all know, pets are expensive, NSW RSPCA says it costs on average more than $25,000 over the life of the animal.

Being a foster carer for shelter dogs helps Todd financially as the animal rescue centre provides everything he needs including bedding and food, and lets him temporarily have the doggo (or doggos) he wants.

“They provide everything you need for the dogs so financially it really helps, plus by being a carer, I know I’m saving their lives which is incredibly rewarding.”

On behalf of those beautiful doggos, we thank you Todd.

Lessons from Todd and his foster doggos:

Find another way: Many people in Todd’s situation go and get a pet without a second thought. Todd’s big heart saves him money at a time he needs it most. Doggos cost on average more than $1200 in the first year, by foster caring Todd gets flexibility and can we please say again, he saves shelter animal’s lives. 💛

Learn to budget: It’s never too early or late to take charge of your finances. Todd is on track to being debt free – a powerful position to be in no matter your age! The first step is laying it all on the table and looking at how much (or little!) debt you are in.

Want more? Learn how Danielle reformed her spending habits here.