The ASPCA estimates that the average annual cost of owning a pet can range from $27 to $1,040.31. And when you add in those unexpected costs — like an illness or injury — those numbers can really add up, and include other potential costs like making necessary dietary changes, purchasing new toys and flea medications, and treating their anxiety when needed.
But sacrificing the essentials won’t help you save money. Instead, making smart choices about where you shop and routine medical care can help make a noticeable difference in your annual costs, all while keeping your furry family member happy and healthy.
Here are 10 ways you can ethically save money on pet expenses without sacrificing your pet’s quality of life.
If you’re over 50, take advantage of massive discounts and financial resources
Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.
How to become a member today:
- Go here, select your free gift, and click “Join Today”
- Create your account (important!) by answering a few simple questions
- Start enjoying your discounts and perks!
Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $12 per year with auto-renewal.
Stay on top of routine checkups
While going to the vet more often may seem like an added expense, finding out when something is wrong early can save money in the long run.
Veterinarians are educated to identify and understand small tells when pets are feeling ill or unwell, and having their expertise is helpful in keeping your little guy happy. Frequent vet visits can also help you avoid any unnecessary, long-term health issues by keeping them on top of routine vaccinations.
Shop sales on high-quality pet foods
Similar to more frequent vet visits, splurging on better food can help keep costs down in the long run by keeping your pet healthy from within. Health concerns like allergies, diabetes, and certain skin conditions can be prevented with better food options.
A good way to help cut costs when opting for high-end pet food involves shopping sales, buying in bulk, and clipping coupons.
Follow Bob Barker’s advice and spay and neuter your pets
An unexpected pet pregnancy can truly cost an owner more money in the long run, what with the additional vet visits, dietary restrictions, health concerns, and a new multitude of babies to care for. Not to mention the fact that these unexpected pregnancies can also contribute to the growing number of unwanted pets in shelters.
Of course, there’s a monetary benefit to having your pet spayed or neutered as well. The Humane Society of the United States says that the procedure can also save you money by keeping your pet healthy long-term, since expenses for the care of reproductive cancers or pyometra can cost thousands of dollars.
Resolve $10,000 or more of your debt
Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.
National Debt Relief could help you resolve your credit card debt with an affordable plan that works for you. Just tell them your situation, then find out your debt relief options.1 <p>Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including our fees, over 12 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.</p>
How to get National Debt Relief to help you resolve your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can assist you in settling your debt, but only if you schedule the assessment.
Make your pet toys out of pet-safe materials around the house
It can be difficult to track exactly what your pet toys are made out of. So, while making toys on your own can also save you money, it is also in the best interest of your fur friends so that you can monitor what, exactly, ends up on their paws and claws or in their mouths.
Pet-friendly materials that are safe to create entertaining toys include bamboo wood, natural rubber, and organic cotton. Look through old laundry for pet-safe fabrics to make toys they love that smell like their humans.
Groom your pet at home
While spending a day at the pet spa can be a lot more comfortable for both the pet and its parent, one of the easiest ways to save money is by caring for your pet at home. Putting in the time to keep up with nail clippings, bathe them, and brush their coats can be a great bonding experience.
Plus, it can teach you both patience and care.
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Brush your pet’s teeth
Just like most preventative care, brushing your pet’s teeth every once in a while can help to prevent dental issues and help promote overall health. While it is optimal to do so daily, brushing your cat’s or dog’s teeth three times a week will help prevent tartar buildup and prevent disease.
Purchase a pet insurance policy
Just like human health insurance, pet insurance policies can help offset the costs should the worst happen. Many people have had good luck purchasing these policies to cover major expenses.
While there is a monthly premium, some policies can cost as little as $20 per month.
And, just like human health insurance, it’s important to shop around. Pay attention to any fine print that may prevent your pet from having common issues with their breed excluded from insured care.
Price shop when looking for medications
While there are many home remedies and pet brands out there, it is incredibly important to purchase any medication from a reputable, certified establishment. Fortunately, there are several online retailers that specialize in pet care.
Pet parents can look to PetCareTx, Chewy, 1800petmeds, and Discount Pet Medicines when pricing out their fur friend’s medical necessities.
Splurge on pet food storage
Pets thrive when they have tasty, nutritious food to chow down on. Supplementing wet food into a dog or cat’s diet will help keep them hydrated, so making sure it is portioned and stored correctly is paramount.
The same is true for dry food days. Make sure to get an airtight container so that the food stays fresh as long as possible, especially if you are buying in bulk on a budget.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!2 <p>See website for details.</p>
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Craft high-quality homemade treats
Just as you can cut costs on your pet’s fancy lifestyle by making them homemade toys, you can take your DIY skills to the kitchen and easily make cost-effective treats for your fur babies.
The best part about making edibles is that you can use a variety of organic products already in your kitchen. Salmon, organic flour, peanut butter, oats, eggs, and brown rice are all acceptable to add to your pet’s diet and easy to craft tasty treats with.
Bottom line
It can be difficult to get ahead financially, especially when you have fur friends depending on you for a certain lifestyle that they have most likely become accustomed to. But our animal babies reduce our stress, so we probably owe it to them.
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