cats

5 Home Renovations That Will Attract Pet Owners

Ashley Eneriz — Fri, 30 Mar 2018 09:00:06 +0000

Thinking about upgrading your home to add more value? Before you hire a contractor, take some design inspiration from pet owners. According to the American Pet Products Association, 68 percent of U.S. households, or about 85 million families, own a pet.

Not only do a lot of Americans own pets, but they also spend a lot of money on their fur babies: The APPA reported in 2017 that annual pet expenditures reached an estimated $69.36 billion. It's clear that pet owners are willing to spend on their animal companions.

You can make this work to your favor if you're planning to renovate and sell your home. While some of the suggestions below only make sense if you're a pet owner yourself, others have universal appeal. (See also: 6 Money Lessons You Can Learn From Your Pets)

1. Update the floors

If you have ever owned a cat or dog, you know how detrimental they can be to carpet and hardwood floors. Consider updating your floors to something stylish, easy to clean, and hard to destroy, like tile or tile made to look like wood.

For a more affordable option, skip laminate flooring and go with vinyl or linoleum. Both of these options are durable and easy to clean, even with a new puppy (or young children) around.

2. Replace or upgrade rickety fences

A low or rickety fence is a huge turnoff to pet owners looking for a home. Pet parents need a secure barrier to keep their dogs in and wild animals out. Stone walls are nice because they add a privacy element to the home and cannot be destroyed by busy chewers. Avoid railing for the wall or gate, since many animals can squeeze between the rails.

Consider adding a fence around a pool area, too. Not only will this addition be welcomed by pet owners, but many families with young children will find this more appealing.

3. Install doggy doors

Installing a permanent dog door can be a huge bonus to pet owners who prefer letting their fur babies let themselves outside. When installing a doggy door, make sure to pick the right location. For example, you don't want to install it in an area that pools water when it rains.

Furthermore, when installing a doggy door, don't go cheap. Spend more money for a sturdy structure with dual flaps, weather resistant sealing, and a lock. You don't want your dog door to decrease your energy efficiency or cause weather-related damage. You also don't want it to be a security issue.

4. Grooming stations

Adding a small grooming station to a laundry room or back patio can be beneficial for pet owners who don't want to bathe their animals in the bathtub. Houzz says that hiring a contractor to install a grooming station is similar to having a small shower installed and can cost anywhere from $1,000 for a free-standing tub to $3,500 or more for something fancier.

Even pet-free homebuyers might enjoy this added grooming station since it is an easy place to hose off shoes and even children after a messy playtime.

5. Potty areas

Potential homebuyers that are also pet owners might look at an unfinished backyard and think about how burdensome it will be to clean up after their pooches. Landscaping the backyard to include grass, or at least adding an area of synthetic grass made for dogs, can add a practical benefit for pet owners.

Think about a dog's bathroom needs on every level of the home. Equipping a second-floor deck or balcony with a doggy door and easy-to-clean potty area will be seen as a benefit for pet owners who want to sleep in.

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This article is from Ashley Eneriz of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Prep Your Finances for an Emergency Vet Visit

Mikey Rox — Fri, 23 Mar 2018 10:00:05 +0000

When an accident sends your pet to the hospital, will you be prepared to handle the situation financially? Emergency vet bills can quickly make a huge dent in your savings, and that could leave you in a tough spot during an already stressful situation. Can your pet receive the care he or she needs, or will you have to euthanize the animal because you can't afford the treatment? If you plan ahead, you can avoid the latter. Here's how.

Get pet insurance while your pet is healthy

When my dog, Jaxon, was about a year and a half old, he was admitted to the vet with a respiratory infection that filled his lungs with fluid, which required several nights in the hospital. The bill for the treatment was nearly $8,000, a fee that my husband and I couldn't afford as a young couple in New York City. Unfortunately, we also were unaware that we weren't allowed to leave the hospital without paying the bill in full, and emergency pet care facilities sometimes do not accept payment plans.

Thankfully, we had insurance to cover it. We paid the full amount to the hospital on our credit cards and then had to wait to be reimbursed by the insurance company (a caveat to consider) after we submitted the claim. But it was a small price to pay to save Jaxon's life. If it weren't for the insurance, we would have had no choice but to put him down at that point. In hindsight, it was a valuable lesson to learn about emergency vet bills and pet insurance, and the life-or-death difference it can make. (See also: 7 Things You Need to Know About Pet Insurance)

Have copies of your pet's medical records handy

If you have to visit the pet emergency room in the middle of the night, chances are the attending doctors will not be able to access your pet's medical file, because your primary vet will be closed. So it's a good idea to keep a copy of them at your home so you can grab and go when needed.

"If your pet has an ongoing medical condition, it would be best to bring any recent medical records, [and] X-rays with you," says Dr. Gary Richter, veterinary health expert with Rover.com. "Similarly, if the reason for the visit is because the pet got into something that could be toxic, bringing the exact product or a picture of a label is very helpful. The more information you can provide to the team at the emergency clinic, the easier things are going to be."

Bring some form of payment with you

Even if you haven't figured out exactly how you're going to pay the bill, you will need to show some form of payment (especially if you don't have insurance) if you'd like your pet to receive care. Don't leave home without it.

Most facilities have an initial exam fee, after which they'll provide an estimate for recommended testing and treatment. Costs can range from under $100 to thousands if the pet is in critical condition. You'll then have some time, but perhaps not much time if the situation is critical, to make your decision on what you can afford and how to proceed with the care. (See also: 8 Ways to Lower Your Vet Bills)

Put aside money for your pet's emergency

You stash away cash for your own emergencies, so it makes sense to save a little extra for your pet's needs since they are such an important part of your life. At the very least, you should have enough to cover your pet insurance deductible, but more will likely be necessary if you don't have pet insurance.

"If you forgo insurance, you should have at least $2,500 set aside for your pet," advises Jme Thomas, executive director of Motley Zoo Animal Rescue in Redmond, Washington. This is, sadly, really hard for a lot of people to do, but instantly when your dog gets hit by a car, that's pretty much what you're looking at to start — not even for the ongoing care and treatment. We feel that's a slightly conservative estimate [for the actual care], but a relatively typical amount for an emergency fund."

There are credit options specifically for these emergencies

If you're in the hospital with your pet and you're trying to figure out how to pay for the bill, CareCredit could be an option for you. You can apply for this medical assistance credit line in advance, possibly at your veterinarian's office, or online, just so you have it on hand when the emergency arises. You can also do it at the emergency vet's office at the time, if needed.

Your qualification for this card is based on your credit situation, like any other card would be, so you can't have a terrible score, Thomas says. But it's not as harshly critical of your score as, say, a mortgage lender would be.

"This is what saves a lot of people's pets in the end," she adds.

Don't let emotion control the situation

You want to save your pet, there's no doubt about that. But one practical question you need to ask yourself when your pet has an emergency is if going into debt for the treatment is worth it. That may seem harsh, but you need to keep a roof over your own head if you want to be able to afford caring for another living creature.

Adds Dr. Richter, "When people are faced with these kinds of choices, they need to weigh the costs with the pet's prognosis and how spending the money will impact their lives. An excellent long-term prognosis — broken leg, for example — may warrant spending the money, whereas end-stage terminal cancer is a more difficult decision."

In the end, it's your decision, but you shouldn't compromise your ability to provide for yourself. It defeats the whole purpose. (See also: 6 Money Lessons You Can Learn From Your Pets)

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This article is from Mikey Rox of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Buying Virtual Cats Might Be the Future of Investing

Aja McClanahan — Tue, 26 Dec 2017 09:00:08 +0000

The latest trend in virtual goods is taking shape in the form of digital felines called CryptoKitties. Launched November 28, 2017 as one of the world's first blockchain-based games, these virtual cats are already selling at outrageous prices. As of this writing, CryptoKitties are currently selling for an average price of about $84 per cat, though some are selling for tens of thousands of dollars.

The only way you can purchase, sell, or "breed" CryptoKitties is with a smart contract-based token (ERC-721) based on Ethereum blockchain technology. Blockchain is the distributed ledger technology behind many cryptocurrencies, including Bitcoin. And Ethereum is a type of cryptocurrency after the likes of Bitcoin, but with some additional features to facilitate "smart" money movement between users. (See also: What Is Cryptocurrency, Anyway?)

If you're in the market for some CryptoKitties, you've got to exchange whatever currency you have access to (say dollars or euros) to Ethereum currency, which is known as ether. At the time of this writing, one ether equals about $824.

What exactly are CryptoKitties?

CryptoKitties are digital cats that exist on a computer network. They each have different characteristics known as "cattributes," which are the result of digital genomes. With over 4 billion potential genetic combinations, the possibilities for your kitty are seemingly endless. Some cattributes, like wingtips or blood-red are more appealing and more valuable than others — which is what makes this an actual marketplace.

CryptoKitties have been likened to the Beanie Babies craze of the 90s, or trading baseball or Pokemon cards. If you've ever collected or sold these types of goods, you know that values can be very arbitrary or based on rarity. In this case, rarity is somewhat determined by the digital genome set by the developers of the game.

Why would I buy CryptoKitties?

Right now, CryptoKitties, seem to have no inherent value, aside from what the community assigns them. In other words, people are buying, selling, and breeding these cats only because they believe they will have more value in the future. When you sell or breed digital kittens, you get paid in ether, which converts to real money.

Aside from making money, CryptoKitties is fun to play. You don't know what the cattributes of your offspring will be until they appear, so there's a gaming aspect to this phenomenon in addition to being a way to earn money.

What does the CryptoKitties craze mean?

As mentioned above, there seems to be no inherent value to CryptoKitties. However, the CryptoKitties White Papurr created by the game's developer, venture studio Axiom Zen, explains the game's intent is largely to make blockchain technology, a concept many consumers find confusing, accessible to everyone.

The paper sums up the true purpose of CryptoKitties in this way: "By normalizing the practical application of smart contracts and cryptocurrency transactions, we will empower everyday consumers with a basic fluency in distributed ledger technology."

Who knew digital cats could introduce the average Joe (or Jenny) to the future of technology?

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This article is from Aja McClanahan of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

7 Things You Need to Know About Pet Insurance

Mikey Rox — Fri, 15 Sep 2017 08:30:11 +0000

Do you need pet insurance? That depends. It can mean life or death for your pet if they experience a major medical issue — especially an expensive one that requires hospitalization or emergency surgery — but it can seem like an unnecessary monthly expense if you're paying into the plan and not using it. To make a decision whether pet insurance is right for you, here are a few things you should know. (See also: Is Pet Health Insurance Worth It?)

1. There are three types of pet health coverage

Most pet insurance companies break down coverage into three categories. The lowest tier is an accident-only plan, which only covers accidents and emergencies, like if your dog gets hurt by another dog at the park. This coverage does not include any hereditary issues or serious health conditions. Conversely, there's a wellness plan, which doesn't include anything that the accident-only plan includes, but rather focuses on wellness and routine care, like annual exams, dental cleanings, and routine medications, like heartworm and flea-and-tick prevention.

Two plans that don't overlap anywhere kind of force pet parents into the all-encompassing third option, and that's where the more expensive, major medical plans come in.

More than 90 percent of all pet insurance plans purchased are in this category, according to PetInsuranceQuotes.com, which helps users compare coverage and prices among leading providers. It's likely major medical plans are so popular because they cover everything except wellness and routine care. Accidents, illnesses, cancer, orthopedic issues, hereditary conditions, and prescription meds are under the veil of these plans, the price of which is mostly determined by the breed of pet you have.

2. Pet insurance can help you avoid major debt

For many pet parents, putting an animal down when an expensive health issue strikes just isn't an option. They'll use any means possible to come up with the money to keep their pet alive. Using money from your emergency fund if it's readily available is one thing, but putting the bill on a credit card when money is already tight just isn't smart.

Pet insurance, however, can eliminate that issue altogether. You'll pay a small amount each month so you don't have to experience even greater stress about your finances when your pet is in the hospital. The premium is probably worth the peace of mind. (See also: 5 Pet Costs You Don't See Coming)

3. Having coverage could mean saving your pet's life

When I first moved to Manhattan, barely able to pay my bills, my husband wanted a dog. I was dead-set against it, but his continued pleas caused me to cave, and before I knew it, we had a rambunctious puppy.

Fast forward to a year-and-a-half later, still struggling to make ends meet, and our dog Jaxon is rushed to the hospital with a respiratory infection that cost about $8,000. There was a brief period of time when we weren't sure if our pet insurance would cover the cost of treatment — or how much we would have to spend out-of-pocket — and we had to make a tough decision. It was a quick decision. We could afford up to $3,000 in out-of-pocket expenses and nothing more; otherwise we would have to say our goodbyes. Thankfully we didn't have to, because the little bugger is still my best bud. Pet insurance saved Jaxon's life that day, and it could very well save your pet's life, too. (See also: 6 Pet Expenses You Should Never Skip)

4. Age plays an important part in the coverage you'll get

It's important to enroll your pet while they're young and healthy enough to get the best coverage at the lowest price. No pet insurance provider will cover pre-existing conditions, which makes getting coverage as the pet ages tougher and more expensive, if possible at all.

"If your pet is a senior and/or has pre-existing conditions, you may want to consider the accident-only plan," says Chris Middleton, president of Pets Best, a leading pet insurance provider. "Or get the accident-only plan and add routine care to it."

I decided to end major medical coverage on Jaxon because he doesn't go anywhere that he'll get hurt and he hasn't had any major medical issues for years; that level of insurance was becoming an expense that wasn't worth it. He's also getting up there in age, and at some point I have to let nature take its course. For now, he's happy, healthy, and we're enjoying life together.

5. Your pet's breed will influence coverage and cost

Some pet breeds are more prone to hereditary conditions and medical issues than others, which will affect the price you'll pay for pet insurance right off the bat. For example, you can expect to pay an average of $45 a month for a Labrador retriever versus $53 a month for an English bulldog, according to PetInsuranceQuotes.com. Both of these breeds come with their own set of hereditary issues that can be expensive to treat, which affect prices. If you know you want pet insurance but haven't found the perfect pet yet, it's worth researching insurance premiums based on breed; it may inform your decision on what breeds to focus on and which to avoid. (See also: 8 Ways to Lower Your Vet Bills)

6. Find the coverage that works best for your pet and your wallet

To get the most for your pet insurance price, look for a provider that covers the largest portion of your veterinary bill, coverage for congenital and hereditary conditions, and has no limits to the amount they will pay out.

"Choose a deductible that fits your budget and how they are applied," adds pet insurance provider Trupanion. "Deductibles can help you control your premiums while making sure you see coverage before you hit your budget limit."

7. Pet insurance usually works on a reimbursement model

Pet insurance is a reimbursement model, meaning the pet owner pays their bill at the veterinarian (and often you must pay it in full before your pet is allowed to leave the facility), then submit the proof of payment to the provider for reimbursement. You should research the company's options for submitting claims before choosing a provider, advises Middleton.

"Since pet insurance is a reimbursement model, getting your money back quickly is one of the most important features," Middleton says. "It's also important to look at how they will reimburse you. Some companies will only cut a check to pay your claim; so you have to factor in the time to cut the check, get it mailed to you, then deposit it."

Direct-deposit reimbursement also is available at some providers.

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This article is from Mikey Rox of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

6 Pet Expenses You Should Never Skip

Mikey Rox — Wed, 06 Sep 2017 08:30:10 +0000

For some of us, our pets are the only children we're going to have (sorry, mom) — and like any good parent, we want to take care of our babies as best we can. But in the world of pet care, how do we know what's worth it and what isn't — especially when we examine the price tags associated with such expenses? You and your favorite cuddle buddy can live without a lot of what's out there, but here are the pet care costs you should never skip. (See also: 8 Ways to Lower Your Vet Bills)

1. Vaccinations

Vaccines do an incredible amount of good versus whatever rogue side effects have been suggested, largely by the nonscientific community. This goes for your pets, too.

There's been some controversy on whether cats actually need annual shots, and the general consensus — among some, but not all vets — is that if your cat is strictly indoors and doesn't come into contact with other cats that may have feline leukemia, you can probably skip a year or two on vaccinations.

Pet-care author, Kelly Meister-Yetter, affectionately known as the Critter Lady, says she has four indoor-only cats and she doesn't have them vaccinated every year. If your cat is to be boarded, however, virtually every establishment will require updated shots.

Dogs, however, are a different story. "You should never skip dog vaccinations, especially the rabies update shot every year," Meister-Yetter says. And some rabies vaccinations are good for three years. "Dogs can get into all manner of mischief, and it's always best to keep them safe."

2. Consistent veterinary care from infancy

A pet parent should never skimp on vet care, which should include a yearly physical exam. Not only does the examination allow your veterinarian to assess the overall health of your pet, it also creates a health care team for you, the pet parent.

"When the pet is sick or injured, they will be worked in right away with someone who knows the pet and has its medical history, known medications and allergies, everything," according to Kathryn Primm, resident veterinarian at pet wellness site IHeartDogs.com.

Vet care shouldn't be used as an emergency resource, but rather an established method of preventive care, from the moment you adopt or decide to bring a pet into your family.

House Call Vet NYC Dr. Jeff Levy, whose practice specializes in holistic pet care, says regular checkups combined with a reasonable vaccination protocol can prevent unforeseen and costly medical problems throughout your pet's life. This preventive care can save you a substantial amount of money by addressing potential problems before they reach a stage that you may not be able to afford.

3. Pet insurance

Pet insurance, though it may seem costly over the span of your pet's life, will spare you money and heartbreak in emergency situations that can cost thousands.

My own dog had a respiratory issue very early on, the surgery for which crept upwards of $10,000. It's horrible to say, but if I didn't have pet insurance for him, we wouldn't have spent the past seven years post-procedure enjoying each other's company. Pet insurance saved his life.

Jamie Thomas, executive director of Motley Zoo Animal Rescue in Washington State, says she experiences the consequences of uninsured pets on a regular basis.

"We routinely see animals surrendered for something as simple as a broken leg — [which costs a pet parent] about $1,500 to $2,000 [to mend]," she says. "This is really avoidable and it breaks our hearts. All it takes is one accident where your cat gets out the door and hit by a car, or your dog gets injured by another, and you might be facing euthanization rather than care and treatment, simply due to expenses."

Outside of pet insurance, it's also a good idea to have a small emergency fund set up for your pet, just in case. And as your pet ages, certainly you can reconsider your insurance coverage. You may decide that your pet doesn't need a high level of coverage or coverage at all as it enters its final stages of life, but that's a personal decision you'll have to make.

4. Good food and nutrition

Be mindful of your pet's diet, and don't skimp on their food. This doesn't mean following the latest fads or advertising. Consider your veterinarian's professional opinion and conduct your own research using authoritative sources.

"You cannot underestimate the value of good food and what this can do for your animal's long-term health and well-being," explains Thomas. "The ingredients and fillers in cheap pet food can actually cost you more in vet bills, trying to figure out why your pet's coat is really dry, coarse, or why your pet is super itchy or has skin issues. Ingredients like chicken and grains are the biggest culprits causing pet allergies, including skin and ear infections." (See also: 20 Most Useful Pet Food Websites)

5. Exercise and socialization

I'm a pretty lucky pet parent because there are plenty of dog parks, beaches, and even dog-friendly happy hours where I live that my best fur-buddy and I can go to socialize and get regular exercise, and it's all free (except for the beers, of course). This is probably the case for you as well (a quick search will find all the dog-friendly places in your vicinity), and it's important to utilize these community assets so your pet can make friends and play.

"While cats are often solitary animals, dogs thrive on social interaction; invest your time, effort, and resources into enriching your pet's daily life," Dr. Levy advises. "Both species need exercise to keep their bodies healthy. For cats, invest in toys and dedicate time to daily play. Dogs should not stay home alone while you are at work, so pony up for a walker or daycare."

6. Dog training, if needed

A lot of pet parents manage to raise friendly, gentle, loving dogs without the assistance of trainers. The problem is, you never really know how your pet will turn out as an adult based on your specific combination of nature and nurture, which makes it a good idea to invest in formal training.

Thomas says, "Many people rely on the breed of dog — 'good family dogs' — and think they don't need training, or think that hanging out with the family is actually socializing their dog. But investing in a better understanding of what training entails and how to communicate effectively with your dog, as well as how to truly socialize your dog, will be a priceless experience and can truly be the difference between keeping your dog or not. If people invested as much time and attention into these factors as they do researching a dog breed that will be perfect for them, they'd be more successful — and find many more dogs that would actually work for them."

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This article is from Mikey Rox of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

8 Ways to Lower Your Vet Bills

Andrea Cannon — Mon, 08 May 2017 08:00:10 +0000

Taking your dog or cat to the vet can cause a big hit to your bank account, and if your pet has a medical emergency, you can easily expect to spend more than $500. This can take a toll on any family's finances, which is why we've found some easy ways to save money at the vet, without compromising your pet's health.

1. Take advantage of preventive care

If your vet suggests preventive care services, such as heartworm prevention medication for example, consider how much you'll save with this affordable service, as opposed to what you would spend treating heartworm disease.

Maintain a healthy lifestyle with regular exercise, grooming, proper food portions, teeth brushing, and overall care. Severe dental issues can cost more than $1,000 to treat, so it's a preventive measure that shouldn't be skipped.

2. Prevent parasites

Get your animal on a flea and tick prevention program to keep fleas, ticks, lice, and worms at bay. These typically come in the form of a monthly pill, and many of these provide protection against several parasites at once. Along with saving you money on future treatments, this will also keep your pet healthy, happy, and comfortable.

3. Take advantage of free exams

Some veterinary offices or hospitals offer discounts or even free exams, to encourage owners to bring their pets in to treat for issues before they become hard to treat. Make inquiries with your local veterinary offices to see what they offer.

4. Compare prices

Compare service and prescription prices in your area before committing to one veterinary practice. Use online rating sites like Yelp to find a highly-reviewed vet that won't break the bank. Inquire about whether the office offers new pet or wellness care packages that can bundle exams and vaccines at a discount. (See also: 5 Unexpected Dog Costs You Should Prepare for Now)

5. Keep your pet's weight in check

According to The Association for Pet Obesity Prevention, about 59 percent of cats and 54 percent of dogs in the U.S. are overweight or obese. Excess weight can lead to a host of health problems for animals. Keep your pet fit and active for a healthier lifestyle and fewer vet visits. Also, be aware of the ingredients in your pet's food. If you're trying to cut out processed food from your own diet, you should do the same for them. Look for food that promotes overall health for your pet's breed and dietary needs, and do not overfeed them.

And just because they adorably dance for treats doesn't mean you should keep handing them out!

6. Ask about financing

Many veterinary offices will offer financing, payment plans, or even discounts if you are upfront with them about any financial hardships you're facing. They might also work with a credit lender (like CareCredit), which allows you to pay the fees over the course of several months with no interest, upon credit approval. You can also look into private veterinary discount plans like PetAssure.

7. Get pet insurance immediately

Pet health insurance can save you a huge amount of money if your pet has costly medical expenses in the future. Keep in mind that pre-existing conditions and inherited disorders will not be covered, so it's important to get pet insurance as early as possible. Many policies will also limit coverage to one treatment per illness, so do your research to determine if it's right for you. (See also: Is Pet Health Insurance Worth It?)

8. Request an estimate before services are rendered

A written estimate will let you know how much you can expect to spend. Don't feel shy about saying "no" to a service or asking for a detailed explanation of the recommended services. If you think that a service is unnecessary or too expensive, visit another vet with your estimate in hand.

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This article is from Andrea Cannon of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Make $400+ a Week as a Pet Sitter

Ashley Jacobs — Fri, 15 Apr 2016 09:30:29 +0000

As a pet sitter since the age of 10, I've taken care of everything from dogs to cats to gerbils to guinea pigs, and have pet sat at many gorgeous homes with fabulous amenities. One client I worked with even lived right down the street from Oprah! Not a bad way to earn some extra cash, am I right? (See also: 10 Great Side Jobs for Introverts)

Here are six steps to making $400+ a week in your spare time as a pet sitter.

1. Set Your Services and Prices

Pet sitters can offer a variety of services, from dog walking to daycare, daily check-ins, baths, overnight services, and more. When determining which services you will offer, think about your what kinds of pets you are comfortable with as well as how much time you have to spend pet sitting. You won't want to offer dog walking services if you aren't comfortable walking large dogs, and you won't want to offer daycare services if you have a full-time job.

You'll also need to research how much pet sitters in your area charge for the same services you want to offer in order to figure out how much you should charge. Don't price yourself too high or too low. Be competitive for your city! For example, in Newport Beach, CA, I priced my services at $60 per night for overnight sitting and $20 per day for daily check-ins. One week of overnight sitting earns me $420, and if I'm able to add in a drop-in client or two, I can earn upwards of $560 per week.

2. Advertise

If this is your first time pet sitting, start with your family and friends. Offer to watch their pets for a discounted fee so that you can build up your portfolio and reference list. Be sure to ask them for referrals as well!

Another option to find clients is the Internet. A site like Sitting for a Cause (which, full disclosure, I own and operate) can help pet parents in your area find you and learn about the services you offer. You can also create your own website or make a Facebook page to help people find you.

Additionally, you can make business cards and leave them under people's doormats or post fliers at local dog parks, shelters, or pet supply stores. Leaving your information where pet owners will see it can help you grow your business.

3. Meet Clients in Person

When a prospective client contacts you, find out the details of the job including the type of service they need, the dates of service, and information about their pets. If the job sounds like something that will fit into your schedule, set up a meet and greet!

A meet and greet is your opportunity to meet the client and pets as well as learn more about what would be expected of you while the client is away. Along with the basic information like feeding schedules, exercise and bathroom needs, medical history, and location of all pet supplies, be sure to find out:

How well trained the pet is and any commands he or she knows;
If the pet is good with other animals;
Behaviors you should reward for and bad behaviors you should watch out for;
Information about people who will be coming and going from the house (i.e. housekeepers, gardeners, and pool cleaners);
If you need to water plants, pick up newspapers, or bring in mail;
How to arm and disarm any alarm systems.

If you feel confident a job is a good fit and you can handle all the responsibilities that come with it, accept it! If not, it's always okay to turn down a job.

4. Take Awesome Care of Their Pets

This one is simple: just do everything that is asked of you. Feed pets when they are supposed to be fed the exact amount they are supposed to be fed, keep water bowls filled, make sure pets get the exercise they need, scoop litter boxes daily, clean cages as required, pick up poop from the yard, give treats as suggested, bring in the mail and newspapers, water plants as needed, and follow any other instructions from the client.

And, obviously, spend lots of time playing and cuddling with their pets. You were hired to be a surrogate parent while your client is gone, so enjoy your temporary parenthood!

5. Go Above and Beyond

During your job, do more than just the basics. Here are some ideas to help you go the extra mile to make your clients happy:

Send updates and pictures;
Notify them if their food supply seems low and offer to run to the store to pick some up;
If a favorite pet toy looks like it's falling apart, get a replacement;
If your client is celebrating a special occasion, leave some pet-safe flowers and a nice note;
Leave the house in cleaner condition than it was when you arrived on your first day.

When you go above and beyond, don't expect or ask for reimbursement from clients on items you purchased for them. Going above and beyond is an investment in your client and will keep them hiring you for years to come.

6. Follow Up

On the final day of the job, if you leave a client's house before they return, call or send them a text a few hours after they were supposed to return (or if they returned late, the next morning) to ensure they are home with their pets. They will appreciate knowing you care enough to check in.

It's also nice to check in with clients from time to time. A quick email every so often asking how their pets are doing or sending a Christmas card is always a nice gesture that will keep you at the top of their list of people to call the next time they need a sitter. It also increases the odds they will refer their family and friends to you!

Are you an animal lover? Would you ever try pet sitting? Leave a comment and let us know!

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This article is from Ashley Jacobs of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

13 DIY Halloween Costumes for Your Pets

Nick Wharton — Fri, 23 Oct 2015 17:16:47 +0000

Don’t leave your favorite furry friend out of the Halloween fun this year! You can make a cute costume for your pet in just minutes. Most of these comfortable getups work for either dogs or cats, so gather your crafting supplies and check out these 13 spook-tacular tutorials.

1. Piñata

My heart skipped a beat when I found this DIY piñata costume. You'll need a dog sweater, crepe paper, hot glue, and some time. Just cut the paper into fringe and glue it to the sweater. Throw in a pet-sized sombrero to finish the look.

2. Beanie Baby

Strapped for time? You can whip up this Beanie Baby costume in a few minutes. Grab a piece of white card stock, a pencil, a red marker, and a hole punch. Draw a heart on your piece of paper, cut it out, and then lightly outline the TY logo with pencil. Color the tag red, punch a hole, and attach to your four-legged friend.

3. Ballerina

Give your pooch the night of her dreams with this whimsical ballerina tutu costume. You’ll need a wide elastic band, tulle, and piece of cardboard. Once you’ve looped the elastic, just wrap the tulle around your cardboard form, cut, and then tie to the band. Poof it out and slip it onto your pet.

4. Angel

A little paper and glue can go a long way. Dress your cat in this divine DIY angel costume. Twist together some white pipe cleaners to make a halo. Then cut wings out of paper and use elastic to wrap them around your cat. Done!

5. Elsa From Frozen

You don’t need kids to jump in on the Frozen trend. Doll up your pup in this Elsa snow queen costume — complete with a wig. Use blue tulle to fashion a flowing skirt made for a princess. And the wig is just white yarn hot glued onto some felt.

6. Teddy Bear

Who doesn’t love a cuddly stuffed animal? Turn your pet into a Teddy bear with this nifty tutorial. Find an old stuffed bear, cut its face out, and cut open the back of the toy. Leave stuffing in the arms. Then attach using some Velcro or string.

7. Lion

Maybe your pet wants to feel like the king of the jungle. Try this lion costume on for size. It’s especially perfect for larger dogs and requires a bit of sewing knowledge. You’ll start by measuring your pet’s head and neck so you can sew a simple base layer. After that, you’ll pin fur to the base and then sew it into place. Don’t forget the ears!

8. Candy Corn

This crochet candy corn sweater will look cool and keep your kitty warm. You’ll need orange, yellow, and white yarn. The project is completed in just 16 rows of various stitches. Definitely a great project for beginners looking to learn a new craft.

9. Bat

Martha Stewart’s team came up with this bat wing harness costume, and it’s a winner. You’ll print out a wing template, cut the shape from three pieces of felt, and then stitch them together. Then cut a small rectangle of felt to secure to your pet’s harness. (See also: The 7 Best Pieces of Homemaking Advice From Martha Stewart)

10. Spider

Here’s a DIY spider costume that's creepy and crawly. The best part? Your pet won’t mind wearing it. All you need are pipe cleaners and a dog (or cat) collar. Twist pipe cleaners until you get a nice, thick leg that’s around 15 inches long. Then tie the legs to the collar, four on each side. Use the giant pipe cleaners for more drama.

11. Construction Worker

If you have an hour, you have enough time to make this construction worker costume for your animal. Take two squares of orange felt and cover it with a strip of metallic silver duct tape and yellow felt. Cut a small hole into this new vest and loop elastic through for a custom fit. Finish off with a foam construction hat.

12. Painted Pet

Do you have, like, zero crafting skills? Check out pet paint, a veterinarian-approved pigment spray that washes off your pet with mild shampoo. You can safely spray a costume — like this tiger dog — in no time at all. You can even get pet stencils to make the process easier. Rinse and repeat for another event.

13. Ghost

Or go with this classic ghost costume. It’s so easy, a kid could make it. You’ll need a small white sheet or piece of fabric. (It looks like the author may have used a white t-shirt.) Cut holes large enough for your pet’s eyes and snout. Slip it on and spook your friends.

Are your pets dressing up for Halloween? Share their costumes in the comments!

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This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Ridiculously Overpriced Pet Products

Paul Michael — Wed, 18 Feb 2015 16:00:09 +0000

Americans love their pets. In fact, the estimated amount we spent on our pets in 2014 was almost $60 billion. That's a whole lot of dog treats and cat toys. However, while a lot of those purchases were worth the money, some were a little exorbitant to say the least. (See also: 7 Homemade Pet Toys That Are Cheaper and Better Than Storebought)

With money being tight for so many of us these days, we have to make the best financial choices for ourselves, whilst keeping the wellbeing of our pets top of mind. With that being said, the following 10 products should be avoided. Not only are they insanely overpriced, they're also wasted on animals that really don't care if they eat prime rib or "prime cuts" of mystery meat in jelly.

1. Persian Lamb and Mink Dog Coat — $995

Here's the thing about dogs; they already have a coat. Nature provided them with a way of keeping warm, and they can shed the volume of this coat in the warmer months to stay a little cooler. So providing a dog with a coat, well, that's like wearing a jacket on top of your jacket. Admittedly, sometimes in extreme weather, you may want to cover your pooch with a dog jacket. That's often more for your own peace of mind than the dog's safety. But if you do, avoid a $1000 coat made from lamb's wool and mink. It looks ridiculous, it costs an arm and a leg, and the dog won't care!

2. Ebano Intreccio Scolpito Dog Collar — $420

The translation means "carved ebony." That's a tad confusing when you look at the actual collar and realize that it's just a leather collar. Oh, but not just any leather collar. This collar costs $420. The description says that it is "sculpted to perfection" and is "extremely strong, resistant, and beautiful." For $420, it should walk the dog while you sit back and enjoy a coffee and a donut.

3. The Louis XV Pet Pavilion Dog Bed — $23,995

Styled after an 18th Century French commode (which is actually a chest of drawers, not a toilet), this lavish dog bed will set you back the price of a new 2015 Ford Escape. However, unlike the SUV, this beautifully carved dog bed does… well, nothing. It just sits there, looking pretty (if you like that sort of thing) and is a shining example that you have money to burn. Only for the very rich, and very stupid.

4. Sexy Beast Dog Perfume — $65

You don't have to spend hundreds of dollars to waste money. This purchase will set you back just $65, but you may as well flush your money down the toilet. Touted as a "unisex pet fragrance," Sexy Beast is available in 1.7 ounce and 3.4 ounce sizes. It is a blend of "bergamot and vanilla-infused musk, combined with natural patchouli, mandarin, and nutmeg oils." What a waste of time. Give your dog a bath. Or if they really hum and that doesn't work, you'd be better off spraying them with a little air freshener or Febreze. Save your money for fragrances humans can wear.

5. Swarovski Crystal Cat Flap — $1,650

If you own a cat or two, you know that cat flaps are not exactly the height of design elegance. They're functional, as they should be. They serve the purpose of letting the cat come in and out of the room or house without having to keep the door open. Ideally, they go unnoticed. Unless, however, you shell out a small fortune for one of these hideous things. Not only does it look like it cost a few bucks from a discount store, it doesn't even hide the full cat flap!

6. The 8' x 10' Luxury Dog House Kit — $3,399

The most insulting thing about that dog house is the word "kit." For that kind of money, you should have it delivered to your dog fully assembled, and be treated to dinner at a five-star restaurant. But no, you have to build this luxury pooch palace yourself. It's not even painted! It features wood wall framing, wood trusses, and an adult entrance door to check in on your pampered best friend.

7. The Cat Cabin — $1,400

Handmade with wood and liana (a kind of vine) this cosy cat cabin features a dirt repellent pillow and multiple entrance and exit points. It is made by HomeBasic, a German company, and as it is woven by German artisans, you know the cost is going towards construction and not raw materials. After all, it's basically wicker and rattan.

8. Designer Poodle Tiara — $4.2 million

This kind of extravagant spending is obscene. When you consider the amount of people in this world who are poor and hungry, throwing away millions of dollars on an ornament for a dog makes absolutely no sense. The dog has no idea what it's wearing, or why. It's simply a way for the owners to say "Look how much money we have." With any luck, the dog will bury it somewhere in the back garden and make the owners go digging.

9. Versace Barocco Pet Bowl — $754

What is more important? The food you give your pet, or the dish you serve it in? If you answered with the latter, congratulations… you've got more money than sense. Feed your pet a healthy diet and serve it in a dish that costs $20 or less. Something sturdy. Not a dish inlaid with gold. The write-up even says "Your cat may not know the difference, but you will, right?" Yes, you should know better.

10. Pet Resorts — $1,000 and Up

If you're off on vacation but can't bring your dog or cat with you, why not send them on their own holiday? Why not? Because it's insane. Places like Paradise Ranch take away that guilty feeling by pampering your pet for days, or even weeks, with the highest of care. Services like "human companionship while they sleep" and "full service spas" ensure that your dog will have a confusing but comfortable time while you're away. Remember… pets are not people; you don't treat them the way you want to be treated, you treat them the way they need to be cared for. Boogie board lessons are not fun; they're strange and harrowing.

What's the most you've ever spent on stuff for a pup or a kitty?

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

4 Pet Expenses That Aren't Worth It

Amanda Meadows — Mon, 22 Dec 2014 18:00:13 +0000

Pets give us so much: fun, cuddles, love. But they are also very expensive. There are lots of ways to curb your pet expenses, but here are the four pet expenses that are really just not worth it.

Pet Insurance

A health insurance plan for your dog, cat, bird, snake, or any other pet, might sound like a good idea, especially if you have a purebred animal prone to health issues late in life. However, the insurance deal for pets is not exactly as great as the kind we humans get.

First, the premiums are high considering how few issues will likely arise. The basic plans are around $11 per month, and comprehensive care is up to $40 per month. Over the course of a pets life, let's say 10 years, you will have spent up to $4800. That's the cost of a resort vacation or a used car!

Second, problems requiring a specialist will still cost you an arm and leg. If you have a big issue, like a dog enduring heart failure, one can find that with each visit, the reimbursements get smaller and smaller. Considering the vet costs and the type of pet, you might be better off paying for expenses as they arise.

Obedience Classes

Even post-Cesar Milan, we are still in a dog training craze. Many folks adopting rescue pets might believe they need to buy discipline courses or "boot camps." But these classes are a high risk for an uncertain reward: Group classes cost up to $125 on average, private classes cost up to $500 on average, and boarding school training can cost $1800 on average; and there's little guarantee the results will last.

So how can you train a pet without classes? It's simple: As the owner of a pet (specifically dogs), you are the alpha. That means the obedience training should come from you. There are lots of resources on how to spend time and training pets yourself. Home training not only ensures that you spend quality time with your pet and that the results are working, but you'll save tons of money.

Too Many Toys

Toys are such an easy way to entertain (or appease) our animal friends. Pet stores will successfully sell us on wacky and cute toys for almost every kind of pet — because who doesn't want to see their pet play and have fun?

Pet toys are pricey, though. They also have high turnover. A toy lasts for a few months until it's completely torn apart, and then you need to replace it. Try saving money by making your own toys or recycling toys. If you have a cat? A coat hanger with a string on it, or a little piece of trash on the floor will always suffice.

Fresh Prepared Pet Food

Dog and cat bakeries, artisanal fresh foods delivered to you, farmer's market carts just for pets, there are so many ways to waste money on your pet with indulgent treats. A lot of these food options are positioned as the only "healthy" choice for your pet's health.

How many times have we gone to Whole Foods for kale, but left with salted caramel ice cream? It's the same with these specialty dog food brands. Dogs do not need popsicles, nor we should never entertain the idea. The 10 bucks here, 20 bucks there add up to an insane meals and entertainment budget for your pet. Want to try fresh, raw pet food? Try making it yourself without the markup.

What pet expenses do you consider a waste? Please share in comments!

This article is from Amanda Meadows of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

7 Personal Finance Tips for Animal Lovers

Christa Avampato — Tue, 16 Dec 2014 14:00:07 +0000

The pet industry is big business — $56 billion in 2013 to be exact. And while you want your pet to be happy and healthy, you don't need to contribute any more to that $56 billion than is necessary. (See also: 10 DIY Dog Toys You Can Make for Pennies)

So check out this set of personal finance tips that will help you care for your furry best friends without breaking the bank.

1. Perfect Your Grooming Skills

I've never taken any of my pets to a professional groomer for their coats. You can easily buy salon-quality products and gadgets that make taking care of your pet's fur an inexpensive and even fun task. I make sure my pup gets a bath every week (with conditioner) and a brushing every day to keep his coat and skin healthy. Once a month I have his nails clipped and every six months I have his teeth cleaned by professionals. This regular maintenance and preventative care, the majority of which I do at home in my bathtub, keeps him looking and feeling his best.

2. Maintain Proper Diet and Exercise

Being overweight is one of the main causes of premature death and illness among pets. To keep your pet healthy and to keep your vet bills low, make sure your pet gets plenty of exercise and eats just the right amount of food. Also, avoid table scraps. While your pet may love them, their systems are not attuned to the human diet and can cause severe digestive issues.

3. Get Training

Training will save you from the expense of having your house and/or yard torn apart, and it will keep your pet safe from harm as well. There are a variety of options when it comes to training. When I first adopted my dog, I read every Cesar Millan book and followed his advice to the letter. Because my pup had terrible separation anxiety, I found tremendous value in Nicole Wilde's book Don't Leave Me! You can also enroll your pet in group classes or get private sessions with a trainer.

4. Get Pet Insurance

When I adopted my dog, I immediately got pet insurance. Though he's only five, that insurance has more than paid for itself and given me tremendous peace of mind. Veterinary care is expensive. It will undoubtedly get more expensive as my little guy gets older because he will develop health issues through the natural process of aging.

I have an excellent plan through Healthy Paws. I pay a low monthly fee, a $50 annual deductible, and then they pick up 90% of the tab beyond the basic doctor visit cost. It's important to note that you must get insurance while your pet is still young because pre-existing conditions are often not covered and most plans won't start coverage if your pet is beyond a certain age.

5. Shop Around for Care

Speaking of veterinary care, make sure to shop around to get a feel for average pricing. When I first adopted my dog, I just went to the closest vet because I assumed they were all pretty much the same. Not so. There are huge variations in the level of care as well as the cost. There is also a wide spread on quality and cost of care when it comes to dog grooming, walking, daycare, and boarding. Do your homework online and in-person to get the best value and quality for your dollar.

6. Visit Clinics for Simple Stuff

Even once you find a high-quality, good value vet, there are other options for certain types of pet care. I used to happily take my dog to my vet for his vaccines. Then I discovered LuvMyPet, a mobile unit that makes stops at my local Petco every weekend. LuvMyPet's vaccines are exactly the same as the ones from my vet, but they're literally half the price.

7. Shop Around Online for Supplies

Do not buy medicine, food, or supplies from your vet or a brick-and-mortar retailer unless it's an emergency. These establishments generally have a huge markup. You can get a much better deal online from Amazon, 1800PetMeds, and Wag.com.

What cost-effective ways have you found to take care of your pets?

This article is from Christa Avampato of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

7 Homemade Pet Products That Are Cheaper and Better Than Store Bought

Christa Avampato — Fri, 22 Aug 2014 09:00:05 +0000

We love our pets. So much so that in 2013, Americans spent a whopping $55 billion on their furry friends. Almost $14 billion of that went to pet supplies and over the counter (OTC) medicines. (See also: 10 DIY Dog Toys You Can Make For Pennies)

But here's the thing: While recently browsing my local pet supply stores, I found that quite a few of the products contained ingredients that are less than healthy for my dog and the price tag was often pretty steep. I decided to do some price and quality comparisons and found I could make the following products healthier and cheaper than comparable products I could buy at retailers:

1. Toys

There are dozens of DIY toy ideas online. My pup loves to solve puzzles, especially when treats are involved. These puzzle toys usually involve hiding a treat inside a compartment that my dog has to figure out how to open. Nina Ottosson has a great line of puzzle toys for dogs and I have a few of them that cost me about $40 each. But I could have made this similar toy for my pup using a muffin tin and tennis balls for $5, and he also would have had the tennis balls to bounce around the house!

2. Bedding

Have you seen the price of dog beds lately? I recently went to my local Target to get my little guy a new cozy nap space, and small dog beds (of rather boring design and fairly low quality) cost about $25. Instead, I picked up a small vintage suitcase at my local thrift store that is in great shape and lined it with a plush towel and squishy pillow for less than $10. Try these inspiring designs for suitcase pet bedding.

3. Wet Wipes

In between his baths, I like to wipe down my pup with wet wipes, particularly after a long walk in the park or a stroll around the streets of New York. Most commercial wipes have chemicals in them that I'd rather not put on my pup's skin (particularly if he's likely to lick his paws!), so I looked into organic wipes that typically cost about $10. Instead, I followed Southern Wag's DIY recipe and made a better quality, healthier wipes for less than $3.

4. Shampoo

My dog has dry skin and it causes him to become very itchy and uncomfortable. My vet recommended a prescription shampoo that cost (brace yourself!) $21 for an 8 ounce bottle. However, I didn't want my little guy to be uncomfortable, so I bought it for him. Unfortunately it didn't do much good and it also had a medicine-like scent. I started poking around online and found this recipe for dog shampoo by Rebecca Dillon. Total cost for the same 8 ounces was $12, it worked like a charm, and it smelled so much better!

5. Treats

Quite a few commercially-sold pet treat products are made in China and after the contamination issues earlier this year, I started to investigate other options I could make at home. I found a recipe for these bacon bark sticks that are a snap to make and cost only $3 for two dozen tasty treats.

6. Surface Cleaner

Just like humans, pets get sick from time to time. I wanted a cleaner to clean up after my pet that is non-toxic and safe on home surfaces. I could buy a cleaner by Method for $4 per bottle. I found this recipe for a petsafe surface cleaner online that costs less than $1 to make from items I already have in my home and it did the trick!

7. Tummy Remedy

Dogs have very acidic digestive systems. It's a holdover from their wolf ancestors who needed to break down the food they caught in the wild. The build-up of acid overnight caused my pup's tummy to often be upset first thing in the morning. My vet wanted to put him on an antacid medicine that would cost $10 month. While I would have been happy to spend that, I wanted to check out natural remedies that might help. After a little investigation, I discovered that a teaspoon of mashed sweet potato once a day calmed his stomach and eliminated the problem for a grand total of $1.50 per month at my local grocery store. I buy the sweet potatoes, boil them, and mash them myself.

While I love to make DIY items as much as possible, there are some pet Items that I do buy commercially, and you should too. For example, flea and tick medicine are essential to your pet's health and to your home's health as well. Once you have a flea or tick issue in your home, it is very difficult to remedy. While I've tried all-natural flea and tick medicines for my dog, they've never worked that well, so I stick with commercial brands. I also have a professional groomer do his nail clipping and teeth brushing to ensure that they're done properly.

Because you can't put a price on pup beauty.

(Please note that you should never give human medicine to your pet; always consult your veterinarian before giving any medication to your pet.)

Please share your favorite DIY pet products in the comments below!

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This article is from Christa Avampato of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How Much Does It Cost to Keep a Cat?

Carrie Kirby — Wed, 25 Jul 2012 09:48:39 +0000

When my family acquired a pair of kittens from a local shelter, it felt like a frugal move. We had been unsuccessful in ridding our old house of mice using traps, and we weren't willing to use poison or pay for a monthly pest control service or other expensive measures. (See also: 5 Ways to Yank the Leash on Pet Expenses)

And for the first few months, it worked out that way. Sure, we had to pay an adoption fee that covered spaying and their first round of shots, and the first vet appointment was pricey, but after that, feeding them cost under $1 a day, even when we bought the good cat food. The mice in our house didn't turn out to be free cat food, but they did provide our new pets with hours of entertainment until they wisely decided to vacate the premises.

Then Acorn Ranger happened.

I was asleep at my parents' Wisconsin cabin one morning when my niece shoved something scrawny and matted in my face. "Look what we found!" she said.

What they found was the tiniest little stray kitten, with adorably huge, hairy ears, prominent ribs and runny eyes. We named him Acorn Ranger, and when it was time to drive home, we brought the kitten along. We already had a couple of cats, what difference could one more make?

A couple thousand dollars worth of difference, it turned out.

First of all, when we brought Acorn Ranger into our house, even though we sequestered him to a bathroom pending a medical checkup, our other cats (now about a year old) freaked out. One of them started peeing on the carpet. Every day.

Then we brought Acorn Ranger to the vet, thinking we'd pay for shots and neutering, and get what appeared to be an eye infection cleared up. Instead, we learned that the vet needed to test him for FIV (feline immunodeficiency virus) and feline leukemia. She also prescribed an antibiotic eye drop, an oral antibiotic for a cough we hadn't noticed, and treated him for a wound on his stomach that we hadn't even seen under his matted fur. The initial bill was about $400 — and he hadn't even gotten his vaccinations yet.

Meanwhile, one of our other cats ended up at the vet with a bladder infection. The vet explained that some cats are prone to these infections when they feel stressed — like when a strange new cat comes to live in their house. The bill was mounting.

Acorn Ranger's blood test came back positive for FIV. This meant that he might have the communicable disease, so he couldn't live with our cats. Luckily, we were able to find him a new home where no other cats lived. But even after Acorn Ranger departed, our expenses were not over. One of our original cats continued peeing on the carpet. Eventually we pulled out the carpet and hired a handyman to remove the remaining staples. She started peeing on the bare floor in the same old spot. We had to have the wood floor refinished at the cost of over $1,000. (The wood under the carpet was ugly and would have needed refinishing eventually anyway, but if it hadn't been for the darn cat we never would have found that out because it would have remained hidden under carpeting.)

All these events serve to illustrate how unpredictable pet expenses can be. We had hoped our cats would only cost us a few hundred dollars per year, but instead the cost of one year topped $2,000. The next year went much more smoothly — but you never know what may happen next.

So how much can you expect to spend keeping a cat? Petside.com estimates that you will spend $900-$1,500 in the first year, including an adoption fee, spaying/neutering, initial vaccinations, and supplies. Subsequent years, the site predicts, will cost $600-$900.

Here are the typical things you spend money on with cats.

Food

CatCentric estimates that you can spend anything from 22 cents a day (Cat Chow kibble) to $5.48 a day (Royal Canin Instinctive canned) to feed a 10-pound kitty. Interestingly, commercially available raw foods — usually more richer in nutrients than canned or dry — fall in between kibble and canned food cost-wise, at about $1 per day, according to an analysis by CFA and cat-rescuer Laurie D. Goldstein. Making homemade cat food can cost even less and be healthier than what you buy in the store — according to CatInfo.org by veterinarian Lisa A. Pierson, nutritionally balanced cat food can be made at home for 87 cents per day, per cat.

Litter

I usually pay 30-50 cents a pound for litter, and a quick check of Petco.com shows several varieties available for that price. How long it lasts depends on how finicky you and your cats are. I probably use about five pounds of litter a week, at a cost of about $1.50. If you use a litter box liner, this adds about 50 cents a week.

Maintenance Vet Care

The ASPCA advises you get your cat an annual checkup — my most recent vet recommended twice a year. The cost of this routine visit will vary by geography and fanciness of waiting room; Aiken Animal Hospital in South Carolina lists a cost of $93 for an annual checkup. Vaccination costs can vary widely too, since not all vets recommend you get the full complement of shots every year. Pierson, of CatInfo.org, does not recommend annual vaccines other than for rabies as required by local laws.

Vet Treatment

If something goes wrong, the cost of treatment comes down to how much you are willing or able to pay before considering euthanization or just living with the problem. The New York Times recently reported on pet owners — mostly those with dogs — spending as much as $10,000 on advanced medical treatments. A full course of radiation treatment for cancer can cost $6,000. This MSN article lists the most expensive common cat ailments as foreign body ingestions ($1,629) and urinary tract reconstruction ($1,399).

Insurance

I don't have health insurance for our cats because my husband and I have agreed that we will not provide extraordinary treatments for them. But if you are more attached to your cat than I am and feel you must provide any treatment needed, despite the cost, insurance may be worth looking into. Premium costs vary, but this Get Rich Slowly post pegs the cost at about $1 a day. Sierra Black, author of that post, determined that for her, the right answer was to set aside money for cat care instead of buying insurance.

Frills

To me, commercially produced cat toys, grooming, and Halloween costumes are all frills. We have occasionally spent $3 on a laser pointer or a cat dancer, but my kids have also fabricated teasers that entertain the cats almost as well. Our cats' grooming is limited to my daughters' attempts to bathe them, the occasional brushing (also by the kids), and the work of their own tongues.

In a year without a medical disaster or feline damage to my home, I spend approximately $450 on each of my cats per year, for food, litter and medical check-ups/shots — plus random extras like the carriers we had to buy to move our cats across the country. But just one health problem or fit of property destruction can turn an average year into an expensive year.

Here are some of the tricks I use to keep costs down:

Measure cats' food and don't overfeed. This not only saves on food purchase, but it also saves on medical costs by preventing obesity.
Supplement commercial food with meat. I don't formulate my own pet food, but after getting the go-ahead from my vet, I occasionally supplement my cats' commercial food with meat left over from human meals or on-sale canned tuna packed in water. Sometimes regular meat costs less than a can of cat food — and the cats usually love it. A caveat — because commercial foods are formulated to meet a cat's full nutritional needs for the day, vets warn that you shouldn't add more than 10-15% plain meat, or you risk unbalancing the diet.
When needed, get a prescription from the vet and fill it elsewhere, such as DiscountPetMedicines. In my experience, vets fill prescriptions in the office without consulting me — if you plan to shop around, you'll need to let the vet know upfront.
On a similar note, don't be shy about telling the vet what you can afford. Sense to Save posted about this issue, advising, "When your vet enters the exam room, say, 'Before you do something, please tell me how much it will cost.'"

This article is from Carrie Kirby of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

What to pack for a road trip with Rover

Andrea Karim — Mon, 30 Jul 2007 21:27:14 +0000

Our friends at Itchmo.com recently posted some helpful hints about what to pack when you go road tripping with your four-legged friends. It might seem like a bit much, but planning ahead and having everything you need on hand is the best money saver for road trips. That, and never stopping at a gas station even when all your children really need to pee and haven't eaten since the day before (you know who you are, Dad).

So, what to pack for your little critters? Besides water and food, Itchmo suggests:

LOTS of plastic bags
Baby wipes
Extra leashes
Sunscreen
Flea and tick treatment
Favorite toy & blanket
Tags and vaccine papers (especially for cross-border travel)
Your veterinarian's phone number

A more complete list is available on Itchmo's site.

Because I'm a freak about the state of the car I'm traveling in, I would also pack:

Lint roller
Benadryl and/or Pepto Bismol
List of pet-friendly destinations
Air freshener and roll of quarters for gas station vacuum
Old towels
First aid kit (yeah, this should already be in my car)

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This article is from Andrea Karim of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Pet Peeves Part 3: Vet Visits

Andrea Karim — Wed, 04 Apr 2007 17:36:18 +0000

My animals are a pricey bunch. Cute, and sweet, but medically challenged. Between facial fold issues, allergies to grass (seriously, what kind of dog is allergic to grass?), and a cat with apparent manic depression, we've spent a lot of time at the vet's office, at a few hundred bucks a pop.

The last thing that my dog managed to come down with was a grass seed between his toes. He never gave any sign of distress, and I only noticed it when the other dog started sniffing at the wound. Apparently this is common, and you probably won't see it until it swells up and starts bleeding.

The thing is, most of my animals' health issues are annoying and probably painful, but not deadly. And they always occur on a Saturday night, meaning that I have to wait until Monday morning to get them seen by a vet, unless I want to take the to the emergency hospital, which is twice the price of the regular vet.

I've stopped going to the emergency hospital because I've learned to combat pet problems, at least the ones that send us to the emergency room, by being prepared.

Ounce of prevention, pound of cure

Here's a list of things that I keep on hand to keep my animals out of the vet's office:

A solid pair of rubber gloves, especially if you have to peform some first aid on a cat. Cats don't like you trying to fix them. Actually, cats just don't like you. Nothing personal. They're cats.

A regular first aid kit can do wonders, if you don't want to go to the trouble of buying gauze and butterfly bandages separately.

Good pair of tweezers, for removing ticks, pulling out splinters, etc.

One of those head-cones. You never know when you're going to have to stop your dog from chewing on his butt or licking a wound. Yes, he will look stupid running around the house with one of those things on. Too damn bad.

Baby wipes. I think anyone who is alive should keep these onhand, pets or no pets. They are incredibly handy.

Neosporin, for small scrapes and scratches.

Skin-cooling spray or cream. Hydrocortisone is good, or you can use something with soothing chamomile. Scalpicin works fine, too.

Hydorgen peroxide, for cleaning small wounds, such as the ones caused by an exiting grass seed.

A damn good pair of electric clippers, for trimming the hair around a wounded area.

Pepto-Bismol tablets, for diarrhea. I give two to each dog almost anytime they get runny. Also, egg yolks and yogurt, which are eaten by adventurers the world over to combat traveler's diarrhea, are a great way to plug up a pooch that has a slight stomach upset, as long as you feel that the source of the upset isn't dangerous. For instance, switching (non-contaminated) food brands. Don't get the idea that you can give your pets any kind of human medication, because you can't.

Particularly flatulent mutts can be treated with sweet potatoes, according to this home remedy from Itchmo.

Flea shampoo and flea treatments. I don't use these as regularly as some people do, but I keep them around, just in case an infestation occurs. It's very rare for us, but good to be ready if it happens.

Pet meds. If your pet regularly takes medication, don't fall behind in providing them. It can mean the difference between happy and healthy, and sitting at the pet hospital at 3AM and getting angry at bloggers. [Not that I'm suggesting the Kirk wasn't giving his dog his meds or anything.]

My vet recommends Benadryl for the times when my shih tzu has a massive allergy attack. Most human meds aren't good for dogs, and you should obviously check with yours before giving anything to your dog. Benadryl seems to be widely accepted for allergy treatments, however.

Treats. Dogs (and some cats) will forgive you for popping a huge cyst on their foot if a treat immediately follows.

Lots and lots of towels. You can never have too many towels.

Pet Insurance

The discussion over pet insurance is a long and tedious one, and I can't crunch the numbers for anyone else. Since pet insurance doesn't cover any pre-existing conditions, I haven't seen any reason to buy it (for my two pups, it would cost me roughly $100 a month with zero coverage of their current problems). I know that very serious diseases can be a problem later on, but I've already decided that I'm not going to let me dogs suffer through harsh treatments for something like cancer. That's my personal decision, and I don't expect anyone to agree with it.

Kitten picture by Simon Jackson.

This article is from Andrea Karim of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread: