How to stay on the leash (control your spending!)

Ok humans, listen up, I have lots of doggie advice to dispense today! The first thing I am going to talk about it how to cut down on your spending. If you are living paycheck to paycheck, or if you just can't keep up with all those credit card payments just adding up-- do not worry! There IS a solution! Don't let the credit card companies dictate how you live your life. Be free from debt and have peace of mind.

"But Alex! How do I accomplish such a task?"

Silly humans! Its all about WILLPOWER. Yes WILLPOWER!
Just ask yourself, do you REALLY need all those nice clothes? Do you REALLY need all those big screen TV’s, private boats, giant flibba flabbas? NO WAY! You don’t need that crap. Listen, all you really need to survive is the love of a GOOD DOG (and food, water, shelter, and companionship… but those are less important than having a kick ass dog like me).

Don’t listen to the pundits. They will tell you—Oh no if you want to control finances you have to cut up your credit cards! But I tell you NO! Don’t listen to those guys! Cutting up your credit cards/cancelling your account is a terrible idea! Doing that will hurt your credit score! I should know, I have an excellent credit score (or at least my owner does). If you ever want to rent an apartment, if you ever want to get a nice house, if you ever want to start a small business, if you ever want to do a NUMBER OF THINGS… YOU WILL NEED A GOOD CREDIT SCORE. I don’t make the rules in life, I just tell it like it is.

“But Alex, that’s retarded, credit just measures how much a person spends!”
This is not true. Making a few simple purchases on your credit card at least once every three months and then paying them all off will be all you need to do to develop good credit. The important part of this is PAYING THEM OFF. NEVER… EVER… allow these charges to roll over to the next month. That’s what a BAD DOG would do. Not a cute cuddly dog like me! Because if you do, you will incur interest rates that are out of this doghouse! I’m talking interest rates that can exceed 30%!!! (however, if it is an emergency you might have to incur charges just to survive, this will be discussed in a later doggy post).

Now let me get back to the main topic of this post. WILLPOWER. Repeat it with me—WILLPOWER, WILLPOWER, WILLPOWER. The secret to controlling your spending is controlling your willpower. If you would begin to view every dollar you spend as an investment, then you would not squander your money as much. If you have the willpower to stop buying little trinkets that you don’t really need, then you will surely amass a great amount of wealth. Just ask yourself, “could this dollar be spent more efficiently in another location?” If it could, then do so.

Have the willpower to stop your spending and invest wisely!