{"id":1548,"date":"2023-08-15T12:00:00","date_gmt":"2023-08-15T12:00:00","guid":{"rendered":"https:\/\/www.lendnation.com\/?p=1548"},"modified":"2025-07-28T20:06:17","modified_gmt":"2025-07-28T20:06:17","slug":"budgeting-for-pet-owners","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/budgeting-for-pet-owners\/","title":{"rendered":"Budgeting for Pet Owners"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2023-08-15T12:00:00+00:00\">August, 2023<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Budgeting for Pet Owners<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_2048121821.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_2048121821.jpg 6177w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_2048121821.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_2048121821.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_2048121821.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_2048121821.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_2048121821.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_2048121821.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Welcoming A New Pet Budgeting Tips<\/h2>\n\n\n\n<p>Our animals bring us so much joy, but they are an investment \u2013 especially up front. The first year of pet ownership is usually the most expensive, <a href=\"https:\/\/www.marketwatch.com\/story\/owning-a-cat-vs-owning-a-dog-which-pet-makes-better-financial-sense-11649445375\">with an average cost of $1,000<\/a>. Besides the initial purchase and registration costs, you\u2019ll have to stock up on all the essential supplies, like a collar, bed, leash, carrier, grooming tools\u2026 the list seems never ending. Add to that the costs of spay or neuter surgery, microchipping, and a pet license.<\/p>\n\n\n\n<p class=\"is-style-default\">But don\u2019t let the price point scare you off. With the right preparation and budgeting, adding a new furry family member can be an extremely rewarding experience. We\u2019ll take you through some of the monthly expenses for a dog or cat so you can decide if a new pet fits your budget.<\/p>\n\n\n\n<p class=\"is-style-body-small\"><strong>Can I Afford a Pet?<\/strong><strong><\/strong><\/p>\n\n\n\n<p>Though neither dogs or cats are cheap to own, dogs are more expensive, since they typically need more maintenance and more food. <a href=\"https:\/\/www.pawtracks.com\/getting-started\/cost-to-own-a-cat-vs-dog\/#:~:text=Cat%20annual%20essentials%2C%20including%20vet,grooming%20cost%20more%20for%20dogs.\">While cats cost $300-1,450 each year, dogs cost as much as $480-$3,470 each year<\/a>. If you\u2019re considering getting a pet but are worried about the impact it might have on your wallet, owning a cat, or even a smaller animal, on a budget may be a better option. Remember birds, bunnies and iguanas can also be great companions<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How Expensive Is a Pet?<\/strong><\/h3>\n\n\n\n<p><strong>Food<\/strong><\/p>\n\n\n\n<p>The average pet food cost per month can be anywhere between <a href=\"https:\/\/www.thesprucepets.com\/the-cost-of-dog-ownership-1117321\">$20 and $60<\/a>, but it can vary depending on how much your pet eats and if they require special food. While you don\u2019t need to spend hundreds of dollars on gourmet pet food, you also don\u2019t want to feed your pet cheap, low-quality food that might impact their health years down the road.<\/p>\n\n\n\n<p><strong>Budget Pet Care Tip: <\/strong>A good way to save money on pet food is to buy it in bulk. This also includes other pet products such as litter and treats.<\/p>\n\n\n\n<p><strong>Grooming<\/strong><\/p>\n\n\n\n<p>Not all pets need professional grooming, but for the ones that do, the cost can be substantial. For larger dog breeds, grooming might be as much as <a href=\"https:\/\/homeguide.com\/costs\/dog-grooming-prices\">$75<\/a> per visit. If you\u2019re struggling to make ends meet, you can stretch the time between professional visits by doing some of the grooming yourself.<\/p>\n\n\n\n<p><strong>Budget Pet Care Tip: <\/strong>Bathe your dog in the bathtub, trim their nails yourself, and brush their coat often. You\u2019d be surprised how much cash you can save with less frequent grooming appointments and some preventive care.<\/p>\n\n\n\n<p><strong>Vet Care<\/strong><\/p>\n\n\n\n<p>Each of us could benefit from visiting a doctor now and then and pets are no exception. Expect to pay <a href=\"https:\/\/www.wellnesspetfood.com\/blog\/how-much-will-vet-visit-cost\">$100-300<\/a> for routine veterinary care, which may include a physical exam, vaccines, and tests.<\/p>\n\n\n\n<p><strong>Budget Pet Care Tip: <\/strong>Just because your pet seems healthy, doesn\u2019t mean you should skip out on the vet! Keeping up with your pet\u2019s exams and vaccinations can help catch health issues early and save you a lot of trouble and money in the future.<\/p>\n\n\n\n<p><strong>Toys<\/strong><strong><\/strong><\/p>\n\n\n\n<p>If you think pet toys aren\u2019t essential, think again. Toys give pets the mental and physical stimulation they need to lead happy and healthy lives. Occasionally buying new toys may not seem like a big expense, but if your dog is regularly destroying toys that cost between <a href=\"https:\/\/ayopets.com\/how-much-dog-toys-cost\/\">$8 and $19<\/a> each, it adds up fast.<\/p>\n\n\n\n<p><strong>Budget Pet Care Tip: <\/strong>For pet toys that won\u2019t break the bank, check out local discount or dollar stores. You can even <a href=\"https:\/\/www.puppyleaks.com\/easy-diy-dog-toys\/\">make pet toys yourself<\/a> out of old socks or plastic water bottles.<\/p>\n\n\n\n<p><strong>Boarding<\/strong><\/p>\n\n\n\n<p>Leaving your pet alone for a long time can have its consequences. If you\u2019re going out of town, you might need to look into boarding your furry friend, which can cost <a href=\"https:\/\/www.dailypaws.com\/living-with-pets\/pet-costs\/dog-boarding-cost\">$30-50 per night<\/a>.<\/p>\n\n\n\n<p><strong>Budget Pet Care Tip: <\/strong>Hiring a pet sitter can be a slightly cheaper option. Consider using a site like <a href=\"https:\/\/www.rover.com\/\">Rover<\/a> to find a reliable pet sitter or asking a neighbor or friend to watch your pet for a few days.<\/p>\n\n\n\n<p><strong>Unexpected Expenses<\/strong><strong><\/strong><\/p>\n\n\n\n<p>In an ideal world, your pet would stay in perfect health, but the reality is that emergencies happen. Your pet may get sick and need expensive medication, emergency vet care, or even surgery.<\/p>\n\n\n\n<p><strong>Budget Pet Care Tip: <\/strong>It\u2019s never too early to start budgeting for unexpected pet expenses. Setting aside just a few dollars when you can, helps you prepare for the unexpected.<\/p>\n\n\n\n<p>But if there\u2019s an emergency and you don\u2019t have the cash to cover it, don\u2019t panic. LendNation doesn\u2019t offer specific loans for pet emergencies or pet surgery financing, but we do offer loans that can get you the cash you need to cover a pet crisis quickly and conveniently. Turn to LendNation today by <a href=\"https:\/\/www.lendnation.com\/location\/\">visiting one of our stores<\/a> or start your <a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">online application<\/a> now!<\/p>\n\n\n\n<p><strong>Resources:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/credit.org\/blog\/5-tips-to-making-pet-ownership-more-affordable\/\">https:\/\/credit.org\/blog\/5-tips-to-making-pet-ownership-more-affordable\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/betterpet.com\/pet-cost-budgeting\/\">https:\/\/betterpet.com\/pet-cost-budgeting\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/budget-steps-to-take-in-2022\">https:\/\/www.lendnation.com\/blog\/article\/budget-steps-to-take-in-2022<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/building-a-realistic-budget\">https:\/\/www.lendnation.com\/blog\/article\/building-a-realistic-budget<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/instant-debit-card-funding\">https:\/\/www.lendnation.com\/instant-debit-card-funding<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/location\/\">https:\/\/www.lendnation.com\/location\/<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading alignwide\" id=\"h-\"><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\"><\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div 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for Big Expenses Without Breaking Your Budget<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-03-20T21:43:31+00:00\">March, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person reviewing budget plan for saving toward big expenses on a smart phone\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg 5472w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a 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class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2025-05-19T10:00:00+00:00\">May, 2025<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"How to have fun this summer with budget-friendly summer activities\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg 5558w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=768,513 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=1024,684 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=1536,1025 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=2048,1367 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/create-your-budget-to-have-a-fun-summer\/\" target=\"_self\" >Create Your Budget to Have a Fun Summer<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Bringing home a new pet adds an exciting new member to the family. Here&#8217;s tips to budget pet care, monthly expenses for a dog or cat, and other pet expenses.<\/p>\n","protected":false},"author":18,"featured_media":1549,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[108,107,110,109],"class_list":["post-1548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","tag-budgeting-for-pets","tag-pet-budget","tag-pet-expenses","tag-saving-for-pets"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Budgeting for Pet Owners - LendNation<\/title>\n<meta name=\"description\" content=\"Bringing home a new pet adds an exciting new member to the family. 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