Why Money Matters

Rubbing Pennies started as a personal challenge to save $10,000 in one calendar year. As a young couple, we (Ian and Jen) know how important it is to live within your means, avoid acquiring a lot of debt and have a healthy financial cushion to fall on in case of emergency. On April 10, 2010, we set out on the journey of marriage with two steady incomes, a newly purchased home, one vehicle payment, and a very modest savings account. In an effort to beef up our piggy bank, we launched Rubbing Pennies in January 2012. This is our story of how we love the life we live, and how we can afford it.

Tuesday, July 31, 2012

Pet Expenses


   I do believe if you decide to have an animal, you have to commit to properly caring for said animal. Vaccinations, flea and heartworm prevention, food, etc. All of that stuff costs money. If you can't afford the cost of care, then you can't afford the animal. Some people overlook this when they're doing their budget, and then when it's time to make a vet visit, they pass because they don't have an extra $150. Which jeopardizes the health of their pet and isn't fair to them. And they don't use preventative care because the monthly doses are expensive. A 6 month supply of Trifexis - heartworm, flea and intestinal parasite combo pill - was $90. Ouch. However, choosing a combo pill instead of purchasing a med for flea and heartworm individually was a $50 savings.
   One opportunity to save on vaccinations is to check with your local Humane Society. Sometimes, they will offer vaccinations for dirt cheap (a whole set for $20-$30). Unfortunately, our dog is not spayed and because our county feels so strongly about every animal being fixed, they will not offer us the discounted services for our "in-tact" female dog. Bummer. Another way they stick you, is a $30 fee on a rabies tag for in-tact animals. Typically a rabies tag is only $6 if your animal is spayed/neutered. I passed on the tag altogether. I have the certificate - it's good enough for me.
   I saved on this vet visit by purchasing a package my vet offered. For an extra $40 now, Willow's 6 month check-up, parasite check and vaccinations ($80) will be free. It was a $40 savings. Same savings concept as paying your car insurance every 6 months instead of monthly.

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