Tuesday, August 14, 2012

Keeping Pets On A Budget (How To Save Money)

Companion animals are the family members we choose and in Australia, we love them so much we spend over $6 billion on them a year. They say the best things in life are free but when it comes to having healthy, happy pets it’s just not true. As the daughter of a vet and an avid animal lover, here are my top tips for keeping your Mr Bigglesworths and Beethovens pleased.

 

Don’t Buy, Adopt!

Adopt an animal and you don’t just save money, you save a life. Over 50,000 dogs and cats are euthanised in Australia each year because they do not have a loving home and puppy farming is a profitable but often very cruel industry. Why pay thousands for a designer teacup poodle when you can adopt a loving pup from the shelter virtually for free?
When you “buy” a cat from the RSPCA and you’re really getting him for free. My male kitten cost $180 which included worming, flea treatment, de-sexing and vaccinations. Had I bought him elsewhere and taken him to the vet, the vaccination and neutering alone would have cost more than that!
Adopt a mature animal and you’ll save even more money. The demand for cute little baby animals is higher and as such, shelters often charge more for the immature animals to cover the costs of keeping the mature ones. Pups and kittens are a lot of work too, why not save a lonely grown-up?

Discount De-Sexing

Please, please, please de-sex your pet. Letting your male pet out to get busy with the neighbourhood ladies or letting your female pet have babies you can’t afford to care for is irresponsible and cruel. They will have very hard, often short lives. De-sexing does cost but it needn’t be the financial burden you think it will. The National Desexing Network is a team of veterinarians who volunteer their services to neuter and spay animals at significantly discounted prices. Visit ndn.org.au or call 1300 368 992 to apply.

Toys

Playtime shouldn’t cost a thing. I live near a novelty pet toy store and every time I stroll past I shake my head in dismay at the array of absurdities, ranging from the “Dogginger” champagne dog bath to the authentic Louis Vuitton cat carrier. Animals don’t care about labels, they just care about love. Throw you dog a tennis ball, he will love you. Tease your cat with a feather, she’ll be thrilled. Put your wallet away and smile.

Feeding Time

Food is the major cost of keeping a pet so if you’re on a strict budget, I’d suggest looking at a smaller species of animal. Large dogs will plough their way through kilos of meat in a week and even a cat can be costly to feed well.
In considering what to feed your pet, keep in mind that cheap food can be a false economy. Low cost pet products tend to be filled with non-nutritional rubbish such as ash, rendering plant fats and excessive salt, none of which are beneficial for your fur-babies’ health and if they get sick, the vet bills can be astronomical. I gave my first cat a well-known brand of commercial biscuits until one day he suddenly became very ill. He was unable to urinate and in obvious pain. After rushing him to the all night emergency vet surgery I was told he had Feline Lower Urinary Tract Disorder (FLUTD) which had caused his urethra to block! The cause of FLUTD? Too much salt in commercial cat food! $500 later, an expensive lesson had been learnt. My cats now eat nothing but fresh, raw meat and the occasional vet-recommended biscuit snack and we haven’t had a health scare since.

Vaccinations

Vaccinating your pets is one of the kindest things you can do, preventing potentially fatal and very nasty conditions like Canine Hepatitis and Feline AIDS, but they can be costly. Puppies and kittens are the most expensive, needing starter courses of immunisations around 3 times within the first 18 weeks of their lives. Mature animals will need regular vaccinations throughout their life, but do you really need to do them every year? Well, no, actually. The Australian Veterinary Association says that mature cats and dogs who have had all their puppy/kitten shots may only need boosters as often as every three years . Of course, this depends on the individual animal’s needs and you’ll still need annual check-ups, but it’s sure worth asking your vet about it!

Pet Insurance

Pet insurance policies have been springing up everywhere of late but are they really worth it? The answer is ( and I’m sorry to say it) “maybe”. The problem with insurance is, you’re paying for things that might never eventuate.
The biggest expense for most pet owners as far as vet expenses go, is the ongoing health costs of booster shots, check-ups, flea treatments and worming but most pet insurance policies won’t cover these treatments. The majority of pet insurance policies are designed to pay out in case of accident or emergency, which is fantastic if you need it, but a lot of money wasted if you don’t. Of course, you can pay the blue ribbon premium for the top-notch cover and get a percentage back on your regular treatments, but in the end, the amount you spend on the cover is more than what you get back. The big question to ask yourself is, should something terrible happen to your beloved, could you find a large sum (sometimes up to $10,000!) to help them? If not, you may want to consider an insurance policy. But, as I always say, read the product disclosure statement before you sign up to anything!
Companion animals give us so much and ask for so little, we owe it to them to take proper care of them. Like having a child, it’s a lifelong commitment and it will cost a fair bit of money but, with a little forethought and care, can be done on a budget and it’s so worth every cent.

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