8 Proven Ways To Save Money On Pets

Aug 22, 2023 Personal Finances

Owning a pet brings real joy but it comes with a price tag. Here are some tips on how to save when caring for your furry loved one.

A dog sitting in the grass with his tongue wagging.

According to the American Society for the Prevention of Cruelty to Animals (ASPCA), nearly 1 in 5 American households adopted a pet during the pandemic. How could you not? Pets are the greatest – they’re cute, cuddly, cheerful, and best of all, they love us unconditionally. However, being a pet owner is a big responsibility that requires a financial commitment.

Here are eight ways to keep your furry friend healthy and happy while minimizing the impact on your wallet.

Money-Saving Tips

Visit The Vet

Preventative care for your pet is key to treating several health conditions. It’s also far less expensive than emergency care. By scheduling an annual visit, your veterinarian will have a good idea of your pet’s overall health and will be able to spot potential issues early on. Keep your pet in tip-top shape while keeping your savings intact.

Improve Your Pet’s Health

Aside from regular vet visits, you can do your part to ensure your pet has a good quality of life. Help them maintain a healthy weight by going on walks and feeding them measured servings of nutritious food. Ensure vaccines are up to date, obtain preventative medication if needed, and keep up with hygiene and teeth brushing.

Pet Insurance

Are you able to pay out of pocket for unexpected care? Accidents and illness can occur at any moment and just like you wouldn’t want to face medical bills without insurance, the same goes for uncovered vet bills. Pet insurance can help cover the cost of medical care for your pet. Check out insurance options to see if there’s an option right for your pet and budget.

Find A Low-Cost Clinic

While your pet should regularly see a vet, you may be able to take advantage of steep discounts at low-cost vet clinics, like Emancipet. Vaccines, medications, microchipping, and spay/neuter services may cost less at places like these than at your regular vet. It’s best to comparison shop to get the most for your money.

Roll Up Your Sleeves

If you’re looking to majorly save, it may be time to consider doing more at home. For example, take on some or all parts of the grooming process; clipping nails, dematting, teeth cleaning, and haircuts are all things that can be done at home. While you may not get it right the first time, your pet will appreciate the extra attention from their human and your wallet will thank you.

Buy In Bulk

You may be noticing a pattern; saving money on pets is similar to saving money on humans. One way to save money is by buying items in bulk. Purchasing food, treats, cleaning products, and shampoo in larger packages or quantities is generally more economical. In addition to saving money, you won’t have to restock as frequently.

Opt For Inexpensive Solutions

Dogs and cats love to play. To our surprise, they’re sometimes more entertained by stuff laying around the house than the toys we spend our hard earned money on. Try repurposing old socks and shirts to make your own toys. Check out these cool, inexpensive DIY ideas for dog toys and cat toys.

Get Creative

Use coupons whenever possible and ask for help if needed. Rather than traveling with your pet or boarding them, ask a close friend or family member to pet sit. When they have a need come up, return the favor. There’s no better concept than people helping people.


No matter what type of pet you have, there are ways to save. With some preparation, you can be smart with your spending without sacrificing your pet’s well-being and happiness.

Providers and products are mentioned for educational purposes only. This in no way constitutes an endorsement or approval by A+FCU. Refer to the external organization’s site for the most up-to-date information as their products and terms are subject to change.

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