Having a dog costs how much?! The estimated cost of providing a home to a doggo.

I would say that the love and affection my dogs give me is priceless, but I would also be foolish not to tell you that you should think about the actual cost of pet ownership. If you’re considering bringing a dog (or cat, I guess) into your life, the actual cost of the pet goes well beyond that adoption fee.

If you know me, you’ll know that I love my dogs more than I love most people. You’ll also hear me talk about how my dogs are my children. I would cash out my retirement plan and give them the world if I needed to (please don’t actually cash out your retirement accounts; Basically, I will do whatever I can to make sure they are cared for and comfortable).

I don’t always love how much my dogs costs, though. This is never something I’d taken the time to think about, both those recurring and one-time expenses. Not until my 17-year-old dog Penelope (you met her in my first blog about creating a budget) developed Cushing’s syndrome and needed to have several blood tests and a special medicine created for her over the last six-ish months (goodbye side-hustle money).

Here’s a breakdown of the average first year costs associated with pet ownership for a medium-sized dog.

Baby Steps 1-3 Explained: The Dave Ramsey Method

If you’re into personal finance, you’ve probably heard the name Dave Ramsey a time or two along your financial journey. I was introduced to Dave Ramsey’s Baby Steps when I was 19, and those steps definitely saved me from making a lot of mistakes during my undergrad and grad school years. Although a bit extreme at times, what I learned from these steps are the reason I maintain a mostly debt free lifestyle today. This post briefly explains my own experience with each of these steps and what it takes to accomplish them. This is part one of a two part post, so be sure to click the “see next post” button for the remaining baby steps!

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