When looking at spending categories within your budget, it can often be quite easy to over look things, especially if the costs are relatively small. Categories such as your mortgage payment of rent, council tax and electric are bigger, important payments that happen every month and so are easy to remember. But what about the smaller ones?
Specifically, those all-important furry creatures that share our home.
I’ve talked before about our Frugal Cats and they’ve been interviewed by Frugal Hound over at Frugal Woods and how to reduce overall pet costs. I cannot imagine our home without them, with their funny, mischievous ways, their daft chasing games and their cuddles. There is nothing better than coming home after a long day at work to an animal who is happy to see you and can listen to you moan (I like to pretend that I’m having a conversation with Frugal Cat 1 as he often meows back if you talk to him – mad cat lady, me..?! 😉 ).
But, obviously, with whatever pet(s) you own come the related costs and ongoing expense. The initial cost of buying your pet, plus somewhere for them to sleep, things for them to play with (if you want), food, feeding bowls, leads (if applicable) and everything else. These things can really add up! Add in annual injections/vaccinations and any other treatment they might need and all of a sudden, our furry friends can become quite expensive.
I have read some heartbreaking posts on a money forum I’m part of about families having to give up their pets because they’re in debt/have lost their jobs and there isn’t room in the budget for their pets any longer. That must be one of the hardest decisions to make and one of the most difficult tasks to implement. Pets are a financial commitment and before you get a new pet, please take into account all expenses that might crop up over their lifetime. After all, we are totally responsible for them, even though Frugal Cats might disagree with me on that!
We got the Frugal Cats in January 2013 from the Cats Protection. The first cost we encountered was the adoption fee, which was £50 per cat. We then bought things like a cat basket, water and food bowls, wet and dried food, a couple of toys, some treats and a scratching post. We also bought a cat litter tray and cat litter, as they were not to be allowed outside to begin with whilst they got used to us and their new surroundings. So, all a sudden it wasn’t £50 per cat, but quite a bit more than that.
We then looked into getting pet insurance for them, just in case something happened. Mr Frugal Cottage researched on the Internet for the best deal, but that was another expense. The cats also needed an annual booster injection each year (July) plus flea treatment every month. Another cost which I hadnt even thought of when we got them was the fact that we would need a cat flap fitting at some point so that they could get out during the day. That cost us £75 plus modifying a door in our house; something else to factor in.
Suddenly, not so cheap!
But, would we have it any other way? Absolutely not!
For our two Frugal Cats, they cost approximately £20 a month for everything. This includes food each week and averaged out expenses such as flea treatment and the occasional vet bill. Their expenses will change as they get older and their health changes, just like ours will as we age. This is already budgeted for in our overall budget and even if our circumstances change, I’d like to think (hope) that we’d do everything in our power to keep our furry friends at our home.
The tag line for The Frugal Cottage is to live the good life on a budget. It doesn’t specify what budget, though I have talked about ours in a couple of lists, because every single home and family have different circumstances. I have also talked about savouring and creating memories over material possessions and living a more simple life. The amount of added value our cats give us far outweighs any monetary tag you can put on them: they are more than worth it, in our eyes.
What furry creatures share your home?
Cathy says
What a very lovely pair of cats and how fortunate they are that they get to live at Frugal Cottage, where they are clearly loved and well looked after 🙂 Pets are absolutely worth it. Along the same lines, though not quite, is having a bird feeders in the back garden – the cost of the seed adds up over time, I’m sure, but the pleasure of watching the local birdlife come and feed there far outweighs that (I think). Alas, they don’t mix with cats though!
Nicola says
Before we had our two feline friends, we used to have some bird feeders in the garden and yes, seed can get quite expensive! Nothing like having a robin chirping away in the garden though 🙂
Ali @ Anything You Want says
I don’t have any pets now but I grew up with a dog and I totally agree that pets are worth the expense! You can’t put a price tag on the joy of having a pet greet you when you get home every day.
Nicola says
That’s the best welcome home ever 🙂
Dividend Drive says
Couldn’t agree with you more.
As our expenses have increasingly reduced the percentage taken up by the (accidentally adopted) cat has increased. But it is certainly worth it. A wonderful de-stressing influence which–after all–may help you live longer. Got to be worth any sort of investment surely?
Nicola says
When you put it like that, definitely worth the investment 🙂
Jayson @ Monster Piggy Bank says
I have 5 dogs. Despite the costs I spend for them, I don’t worry much because the positive vibes they’re giving are truly worth it. And, there are many ways to spend less such as buying nonbranded dog food than those branded ones.
Nicola says
Wow, your house must be busy with five dogs! And worth every penny 🙂
KnyttWytch says
2 terriers and we wouldn’t be without them (most of the time! the younger one sometimes is a tad annoying and then he does something cute and …. well!)
Nicola says
Does he then do the puppy dog eyes and you have to forgive him? Our cats know exactly when to turn on the charm!
KnyttWytch says
oooh yes! or just a light nudge with a nose, or … well anything cute really!
Mrs. Frugalwoods says
Awww, I love seeing the Frugal Cats :)! I completely agree with you–pets are so worth the expense. The happiness we derive from Frugal Hound far outweighs the money we spend on her. Plus, as you noted, it really is possible to care for pets frugally. By doing all of Frugal Hound’s care and grooming ourselves, we save a ton every year!
Nate M. says
We love our pets and always include them before our wants. I think my wife would rather feed and take care of them before she would buy herself a meal!
Nicola says
I think I’d be the same as your wife! 🙂