APet options have risen over the last year as people looked for companionship during the lockdown caused by the pandemic. The “pandemic pups” helped people through a difficult period. Now, as we return to our normal lives, we must make sure that we take care of our four-legged friends.
A new pet in the home can increase your financial burden when you return to work. We can help you take care of your pandemic dog without having to max out your credit card.
First, budget & track your spending
Create a budget and plan. You can set money aside for both yourself and your pets if you plan every dollar you earn. We don’t wish to see anyone struggle or go into debt to feed their pets.
Tracking your spending is the first and most important step to budgeting. Keep a record of your current expenditures, including the cost of food and pet care. Divide the annual vet bill by 12 to determine how much you should set aside each month. Avoid putting yourself in the position of having to pay for your pet’s annual vaccines on credit every year.
Our free online Fit Academy offers free budgeting courses and workbooks. It would be best if you spent some time finding a budgeting system that works for you.
Online pet food delivery services are a great option
Consistent and regular spending is one way to ensure that your budget works. Set up an online subscription for your pet’s food if you know the amount of food and treats they consume in a given month. It is easier to budget when you know how much food your pet will finish in a month.
You can also have your pet’s prescriptions and supplements delivered. Set up a schedule to avoid having to shop or spend money on your pet’s needs from week to week.
You will also avoid impulse purchases, as every trip to the pet shop is an opportunity to purchase more chew toys or other items that your pet might not need. You’ll be more likely to buy pet supplies that are truly needed if you order them online.
Attachment issues: How to deal with them
If you have been living with your pet during a lockdown, they will be attached to you and not like it if you leave for work each day. Dogs want to be close to their owners. Separation anxiety may cause behavior problems, which can be expensive or disruptive.
You can save money on doggy daycare or boarding if you prepare your dog properly for your work schedule.
Even before you return to your job, start a routine that will make it seem like “going back” is a natural thing. Let your pet be alone for a while without you. Then, gradually increase their time alone.
Please give them a chew toy or a healthy treat when you leave them. This will help them form a positive connection with your daily routine. Give them something they can enjoy when you go.
Do some research on the best chew toys for your dog and consult your veterinarian for recommendations. Natural bones, antlers, and hooves are all dangerous to dogs. So can nylon bones. You want to choose a chewable item that won’t break your dog’s teeth or be so small as to cause digestive damage.
Hire a dog walker.
If you can, walk your dog every day. Desensitize your dog to noise, people, and other pets. This will make them behave better and bark less.
You may be disappointed if the pets you adopt during a lockdown are not as socialized as desired. They must be exposed to other people and their pets to help them learn to get along and not be anxious or aggressive in unfamiliar situations.
You may need to hire a dog walker if necessary. However, having someone walk your dog every day will be cheaper than boarding it while you are at work. Budgeting is essential for this expense. Refer back to the first tip, and do not skip it before planning for your pet care.
Ask your vet about up-front estimates.
Your veterinarian can help you determine what your pet’s needs are and how well it is developing. Vet bills can be expensive. It’s worth shopping around to find the best deal.
Ask your neighbors, family, and friends for vet recommendations. Ask for written estimates when you meet with a new veterinarian. This will help the vet to understand your budget. A good vet can recommend cost-effective options and will prioritize your pet. No one wants to see their pet not receive the medical care they need because of the high cost.
Other options, such as pet insurance, may be available. Talk to your vet honestly about the costs of care for your pet and whether insurance is a better option.
Prevention is the key. You can prevent unexpected vet bills by keeping your pet healthy. Just as with you, a good diet and regular exercise can do wonders for your pet.
Rent and mortgage payments: Make sure that you are able to pay them
Take steps to prevent your family, including your animals, from losing their home if you are in danger of being evicted or facing foreclosure because of the pandemic.
Housing counselors certified by HUD are ready to help you with expert advice. They will also ensure that you get access to all the special programs you’re eligible for. Please do not wait to get an eviction letter before contacting us about rental eviction and foreclosure-prevention counseling. Early action will give you the best chance for success.
Worst case scenario: Surrendering your pet
Speak to an animal welfare organization if you are unable to keep your pet. The animal should be going to a place where it will receive love and care. By contacting a local animal rescue group, you may be able to find a temporary foster family.
Shelters are able to provide foster care for pets in need thanks to the high adoption rate. Talk to a shelter if you can’t afford to keep your pet, or you can’t avoid being evicted due to the pandemic.
Reduce your debt with coaching.
Budget counseling can be of great help if you are struggling financially to care for your new pet. Call us for free, personalized coaching by a certified debt counselor if you are struggling to pay off credit card debt that you cannot afford. We will work with you to create a budget and spending plan for you that will allow you to pay off your debts while still providing care for the entire family, including your pets.
