Dosh dilemma: “My dog costs more than my social life”

Gemma lives alone with her cockapoo, Archie.

She got him during lockdown and says it was the best decision she ever made.

But, recently, she decided to have a look at her bank statements to check her outgoings, and was shocked at what she found.

Each month’s Gemma’s paying for:

• insurance - £28
• dog walker - £240
• daycare twice a week - £220
• subscription food £78
• treat box - £29
• toys and random extras – approx. £30

Then there’s the occasional emergency vet bill, grooming costs, and buying things because she feels guilty for leaving him while she works.

Her friends joke Archie lives better than they do.

But, in spending close to £600 a month, Gemma thinks they might be right.

She wants to know, how can she cut down of pet costs?

While dogs can be expensive, they don’t care about premium living.

Dogs care about:

• routine
• exercise
• attention
• safety
• enough stimulation

That’s not the same thing as:

• boutique food
• weekly enrichment boxes
• luxury daycare

Simple ways to keep dog costs down

Buy less often

Many dogs already own enough:

• toys
• leads
• bowls
• accessories

Before buying something new, ask: Does my dog actually need this?

Swap subscriptions for supermarket versions

Food subscriptions, treat boxes and premium extras can add up.

Try:

• buying larger bags
• supermarket treats
• cancelling one subscription at a time

Stretch grooming appointments

If your dog’s coat allows it, try extending appointments slightly and brushing more at home.

Use walks as entertainment

Dogs usually value:

• longer walks
• new routes
• sniffing time

…more than new purchases.

Put a monthly limit on dog spending

Do a monthly budget and decide how much you can realistically afford and stick to it.

Remember, your dog doesn’t care whether their treats came in branded packaging.

All they really care about is being fed, watered, walked and, most importantly, loved.