Showing posts with label pets. Show all posts
Showing posts with label pets. Show all posts

Wednesday, May 21, 2008

The Automatic Pilot Lands in Another Crappy Moment: A Financial Lesson

It was just another crappy moment, but as the cliche goes: I learned a lot. And so goes life with my dog Scruffy, who continues to teach me Zen-like lessons in patience, planning and the dangers of living life on automatic pilot.

Here's the scenario: A little while ago -- at sunset -- I was walking the dog and I ran out of doggy bags during our walk. (TMI) Anyway, when Scruffy (that's him in the photo) headed for a neighbor's yard, I acted like a good citizen. I asked for a plastic bag and cleaned up after my dog. And then stuff really happened. Here's what I learned:


  • Don't be smug. Blissed out from my do-good efforts to clean up after my dog, I stopped paying attention to the task at hand. Mindlessly, I let the plastic bag flap in the wind. As such, the bag missed the target, but my hands hit pay dirt. (Don't ask. TMI.) Needless to say, I needed a lot of soap when I returned home. Lesson: Stay focused on money, savings and clean-up efforts. Be mindful. Pay attention to details.

  • Don't get angry: Annoyed, I let the leash drop into the mess. As such, one mistake led to another error. Lesson: Misdirected anger just leads to bigger messes in personal, financial and professional matters.

  • Don't get lost in regrets. "I'm tired of pulling lessons out of crap." That was my mantra as I walked the dog home. But I was so lost in regrets that I twisted my ankle and almost broke my pretty silk flip-flops from China. (These pretty shoes look like Madame Butterfly meets Surfer Girl). As I tripped over the curb, I realized that in past personal and professional stumbles, I have squandered time, money and effort by banishing myself to purgatory circles of regrets. My target attitude: Stuff happens. Just clean-up and move on.

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Friday, April 04, 2008

My Life in A Fish Bowl. The Caged & Leashed Secrets of Pet Ownership

Here's my list of what adoption agencies and pet shops don't tell you about your future pet. After we adopted our adorable dog, (that's Scruffy in the photo), purchased the hamster(s) and accepted the turtles, we discovered these hidden rules & costs of owning pets.


1. Don't rely on the kids. The adoption agency and the pet store will give you the 411 on kids & pets. With over-confidence, you will assume that you know the inside story about families and animals. Yeah, Yeah! After two weeks, the kids will get tired of the pet and you will be in charge of cleaning out the fish bowl, changing the newspaper in the hamster cage and walking the dog. Duh! You know that already.
And of course, as a responsible adult you will nod and mentally re-organize your agenda. Here's my warning: You bought it; it's really yours. Really think hard about what pet ownership will mean to the adults in your home.

It's like taking home a new baby. For the next 18 years, you will be responsible for potty duties, burping, early morning wake-up calls, training and other 24/7 duties. And like distant relatives, your kids will occasionally -- maybe often -- drop into to play with this baby, but most of the time, the pet is all yours.

2. A sick dog can be worse than a sick kid. A child with a cold or sore throat will tell you how much it hurts, how long it hurts and where it hurts. You'll have clues about when and if a trip to the doctor's office is really necessary. But a sick dog can't tell you much. There are no word clues to discover if the pet is deathly ill or just suffering from a minor ache.

Without a clue, you will feel compelled to visit the Vet often, which translates into huge medical bills.

3. Animals complicate vacation plans. Even short-trips can become a planning nightmare when you have a pet. I have traveled with a dog and hamster and it's often difficult to find accommodations for pets. If you're staying in a private home, your friends and family might welcome you, but have doubts about your pets. There are hotels and motels that accept animals, but you have to do a lot of homework to find a place that's open for pets. What's more, these establishments may also have house rules, restrictions or extra fees for pets.

Doggy daycare is expensive. If you leave the pet home, your vacation plans must include pet sitters, walkers, feeders and emergency numbers. What's more, you'll need a Plan B. For example, a friend of mine with an extensive, expensive fish tank had to rely on a back-up battery-operated lighting and feeding system when the electricity went down in our area. He was out of town when our neighborhood was dark and his rescue efforts involved phone calls to neighbors and friends.

4. Watch out for odors: Pet owners have to be especially aggressive about animal odors in the home. Our turtles, for example, did not have much of scent. But when the filter on the turtle tank broke, the odor became overpowering and we had to change the water daily until we could repair the filter and water pump. For a brief period, our home smelled like a water treatment plant on a bad day. Yuck!

Likewise, even slight odors from hamsters, cats, dogs and birds can cling to drapes, carpets and sofa cushions.


5. Be on the alert for allergies. My middle son is allergic to birds; my daughter is allergic to hamsters. We learned the hard way. For instance, during the two-plus years that we owned a series of hamsters, my daughter was constantly rubbing her nose and sneezing. We were in denial about the cause. But guess what? My daughter's allergies disappeared when our last hamster was put to rest.

6. Pets bite back. Dogs, cats, rabbits, gerbils and hamsters can bite and scratch. Most pets are excellent around small children, but little kids often pull on pets (tugging on tails, ears, etc). As part of the family petting zoo, even a patient animal may occasionally bark or nip out of frustration.


7. Guard the home office: Warning: If you have a home office, be prepared to relocate to a bathroom or closet when your dog barks during a telephone interview or sensitive conversation. Most people will be amused or tolerant of the situation, but some will have doubts about talking with you while a dog barks in the background.

8. Education is a commitment. Even if you pay to have your pet professionally trained, you will have to invest time and energy to educate your dog, cat, bird or hamster about house rules. Puppies are very hard work, albeit worth the effort.

9.You will become a competitive pet owner. When I had my first child, I secretly compared my baby to others. I was very proud when my baby walked and talked before other babies. My children are tweens and teens and I have become a competitive pet owner. I compare my dog's manners, appearance and personality to other dogs on the street.

I'm trying to re-train my Type-A personality. But, honestly, I've had better luck training my dog.


10. You will love, love, love your animal. Yesterday, a woman in my building was on the verge of tears. She's a grandmother, with an 18-month-old grandson. "The little one died," she said. I almost passed out from grief and empathy. But then I realized that she was talking about her little dog. (She had two dogs). Upon learning that her grandson was well, living and healthy, (thank goodness), I felt such relief. But then I felt another wave of grief and empathy.

My neighbor really loved her dog.


Bottom Line: I highly recommend pet ownership. It's a great way to forget yourself and celebrate life. But caring for a pet is a huge responsibility.
By the way, this article from MSN Smart Spending has great tips about pets:

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Thursday, March 20, 2008

Tips for Reducing Pet Care Costs

Pet owners spend about $41 billion annually on our pets. After a recent costly experience with overnight care for our family dog, I read the following frugal tips about pet care with great interest. These tips from CCCS offer practical ideas for containing pet-care costs.

I especially like the tip (#5) about trading overnight pet care duties with friends. In fact, after I shared my doggy cay care experience with another pet owner, she kindly suggested that we board each other pets whenever one of us has to travel. If our dogs get along, we might try that money-saving options.

Here's the guest post:

"According to the American Pet Products Manufacturing Association (APPMA), consumers will spend $40.8 billion dollars on their pets this year, including more than $16 billion on food and almost $20 billion on vet care and supplies. Pet owners will spend $2.9 billion on grooming, boarding and other services for pets.

Caring for your cat or dog will cost about $11,000 over their lifespan, which averages 8 years for large dogs, 14 years for smaller dogs, and 16 years for indoor cats. Does your pet have feathers instead of fur? Some birds have a life expectancy of 40-50 years.

CCCS suggests that consumers consider all the costs before bringing Fido or Fluffy home:

1. To purchase or adopt: While purchasing a pet from a private breeder is the most expensive option, it may be the best way to guarantee that you are getting exactly the breed of dog or cat you want. Costs can range from a few hundred to several thousand dollars. Pet stores are another option for finding the perfect pet. Adopting a pet from your local humane society or animal rescue organization is much less expensive and most adopted animals will already be spayed or neutered.

2. Healthcare: While annual vet visits for dogs and cats can cost $175-$250, keeping your pet healthy will save money in the long run. Annual physicals, routine dental care, and vaccinations are all part of ensuring an active and healthy pet. Some owners consider pet insurance, especially those willing to spend anything to save their pet.

3. Food costs: Consumers will spend an average of $188 to feed a cat this year, and $217 to feed a dog, according to the APPMA. The cost to feed a large dog can be up to $10 or more per week. This doesn’t include vitamins or treats, which add another $70 to $140 per year. For homes with multiple pets, the cost of feeding the animals can get very expensive.
4. Boarding: If you plan to take a vacation this year and leave your pets behind, boarding or pet sitting costs can add hundreds to your annual budget. The average family will spend $150 to board a cat and $225 to board a dog this year. In-home pet sitting services may cost a little more, but can be less stressful for your pet. Offer to trade pet care duty with a neighbor and you’ll have more money to spend on your vacation.

5. Grooming and basic care: Keeping your pet groomed won’t just make him look better; it can improve overall health. Regular trips to the groomer can add up to hundreds of dollars a year, but there are inexpensive things you can do at home. Keep your dog or cat’s nails trimmed. Brush them regularly—this will help cats avoid hairballs.

Learn how to clean your pet’s ears, especially if they are prone to ear infections. Brush your pet’s teeth regularly with toothpaste specially formulated for them. This can help prevent the needs for dental cleanings, which can cost $200 or more per visit.
If you have cats, maintaining litter boxes can add an additional $250 or more to your annual budget.

6. The little extras: Designer pet attire, brand name shampoo and grooming products, gourmet treats and food, personalized food and water bowls… there is no shortage of items out there for the pampered pet. Whether it is a trip to a doggy day spa, a monogrammed sweater, or a self-cleaning litter box, the cost of these pet accessories can add up quickly. Avoid the impulse to spend money on these items and opt instead for some quality time with your pet."


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Wednesday, March 12, 2008

Hidden Fees for Doggy Daycare, Plate Sharing & Beverages

A doggy daycare/boarding facility provided my family with a few extra lessons in frugal living. Due to a fine-print charge, we paid far more than expected for dog-sitting services. And while talking with a friend, I've discovered that a number of consumer services carry extra fees that inflate our costs.

Here's what happened to us: We were traveling and faced limited options for our dog. We could not bring him with us and friends weren't available to watch our dog Scruffy, pictured on our couch. Therefore, we booked our dog at an overnight boarding service that charges $35 a night. But in making reservations, we did not consider the additional fees, including a bathing fee and a late pick-up fee.

Basically, if your dog stays for two days or more, the doggy daycare operator automatically gives your pet a bath and charges you for grooming. (Prices vary.) Additionally, if you pick up your pet after 2 pm, there is an additional fee of $15. The service also charges a $15 evaluation fee.

Bottom line: We paid far more than $70 for a two-night visit.

I shared my doggy daycare experience with a friend and together we brainstormed about other hidden fees that can bust a budget:

1) Extra cruise fees: Family cruises, especially some of the budget lines, are packed with hidden fees. For example, day trips (diving, sightseeing, touring) at different ports cost extra. Using the gym or the cruise ship spa services may also carry additional fees. And even with an all-you-can-eat menu, some ships charge extra for soda, coffee, juices and other beverages.

2. Tailoring fees: We purchased a suit for my middle son at a very fair price, but when we brought the suit to the tailor, we were unpleasantly surprised by a $30 charge to hem the pants and nip the waist.

3. Plate sharing fee: Some restaurants charge a fee (about $2.50) if you share your entree with someone at your table. The eatery doesn't give you more food, but charges additional for splitting the entree.

4. Ticket broker fees: Some online and phone ticket vendors charge hefty transaction fees. I purchased bargain tickets and the fees were almost as much as the individual tickets.


The lesson: Ask extra questions and fully investigate the total cost of a product or service.


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Saturday, January 19, 2008

My Dog Dances in the Rain: Why I Want to Live Like Scruffy

I envy my dog. Seriously, if I could borrow a few traits from my dog, here's what I would tap into:

1. Persistence: If I were my dog, I would never give up when challenged by difficult tasks or missing objects. For example, when Scruffy really wants to locate a toy or a bone, he's persistent until someone in our home obliges. When he wants water, he pushes his water bowl across the room until he gets a refill. I wish I had a fraction of that persistence when building my emergency fund.

2. Love of Repetition: My dog could easily play fetch -- in all variations -- for hours nonstop. He never gets bored with the routine: toss, run, catch, run, toss... I would love to borrow that trait for just one month as I record my expenses. Tracking money can be boring. The routine gets old. But if I could borrow Scruffy's love of routine, I could cut even more fat from my budget.

3. Regular bedtime: Scruffy (pictured above) gets his quota of rest every day. Me? Ha! I run on fumes with my tank on empty. I know that my efficiency and performance would improve if I could be more disciplined about getting R&R. As such, I envy Scruffy's ability to just kickback and relax.

4. Dancing in the rain. My dog dances in the rain. On his hind legs and with his head back, Scruffy loves to catch rain drops that fall from the balcony above ours. He loves storms and dances in delight when the weather is bad. In contrast, when the sky is overcast or when times are difficult, I want to hide under a thick Mickey Mouse comforter with a hot mug of mint tea and a romance novel. Watching Scruffy dance in the rain, however, has taught me to make the most of every moment, even gray wet days in Miami.

Tuesday, January 08, 2008

Barking Dogs, Stinking Turtles and Sick Hamsters Taught Me About Money

My children have a dog (left). I think about money and life when I walk Scruffy. Thinking deep thoughts makes me feel philosophical about picking up poop. As such, walking the dog becomes a Zen-like activity. Clearly, my children have not manipulated me into puppy patrol, but have given me the gift of meditation.

Here are some of the financial metaphors I have picked out of the grass:

The Big Barking Dog: Last Friday night, Scruffy and I were really spooked by a big barking dog behind a tall fence. We didn't see the dog, but we heard him bark and he sounded big. Terrified, we darted off the sidewalk and into the path of fast-moving street traffic, which was dangerous.

As we fled, I had a flash -- not a hot flash, (not yet, thank you) -- but a visual flash of a question: What if the mysterious dog was just a little tiny pisher? What if we had placed ourselves into danger for no reason? And even if the dog was big, could it have jumped the thick fence? I realized that we were terrified of the unknown.

And that's true about money also: How much do I really need to save for retirement? How much will it cost to put my three school-age kids through college? How much will I need for health-care expenses? How much should I budget for car repairs?

Those questions are Big Barking Dogs Behind a Fence. Those dogs bark in my sleep and even when I play hallway soccer with my 9-year-old daughter, I hear barking dogs. I'll feel safer when I identify my financial dogs and get answers to questions that nag me. Knowledge reduces fear.

Beware of Stray Cats: My dog looks tough but he's scared of stray cats and squirrels. Therefore, I've learned to scan the horizon and keep a tight grip on the leash because I know Scruffy will try to bolt if he sees a small wild animal. If I'm not alert, Scruffy tugs me away and I am pulled in odd directions as if I were a racer on a Snow Dog Race Course, but without the snow, the sled or the protective gear.

Lesson: Stay alert and keep a grip on the financial leash. Be prepared for turmoil and stray cat moments.

Street Temptations: A dog is a dog a dog. And my dog likes to run in the street. I keep him on a tight leash. I train my little puppy and I'm constantly on guard for runaway moments. With vigilance I can tame his street temptations.

Lesson: A shopper is a shopper is a shopper. And my inner diva likes to shop and spend money. I keep myself on a tight leash. I train my inner shopper to be frugal and I'm constantly on guard for runaway shopping cart moments. With vigilance, I can control my street temptations.

Live this Moment: I used to have a small quiet fit about the dog. Confession: I didn't really want him. I felt tricked and manipulated into getting the dog. What's more, I so disliked our other pets. The turtles smelled terrible and changing their water made me feel like vomiting. The fish were annoying and don't get me started about that little hamster that used to run around our house and totally terrify me.

He died and honestly, I had nothing to do with it. We spent almost $300 on cancer treatments for that hamster. Don't ask! Hint: Hamsters have a short life, that usually ends with tumors. We didn't know this and we spent about $300 trying to cure an $8 hamster. We should have gone the hospice route. We know better now. Clearly, knowledge is power.

After the hamster era, (we had three), I was very vulnerable to the pleas about The Dog. But as a write-at-home mom, I am in my apartment all day with The Dog. Yesterday, for example, I owed the Miami Herald a story by 4 pm. But The Dog had to go to the bathroom and was whining. My options: A crying dog/messy floor or an angry editor. It was easier to plead with the editor. I walked the dog, scooped the poop and filed my story late. Sorry Kathy!

So, it might seem that I am willing to put the dog up for adoption. No way!! I love Scruffy and I've made my peace with my dog-walking duties. If it were not for Scruffy, I would sit behind a computer screen for hours and hours with no exercise.

I eat extra ice cream and still fit into my clothes because I have to walk Scruffy every day.
I get extra stress-busting exercise because of my dog. My dog feeds me stories.

Lesson: Some of my largest dividends and insights have come from difficult situations. I learn about money, life and fitness from every challenge, even crappy moments in the grass.

Previous Posts:

Cheap Travel Guide: Month-by-Month, City-by-City Hotel Savings Rates
Be Smart about Face Time & Other Tips for Building Job Security
Organize the Living Room; Organize Your Life
My Broken Cow Handles: Milking Cheap Ceramic for Frugal Lessons

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Sharon Harvey Rosenberg is the author of The Frugal Duchess of South Beach:How to Live Well and Save Money... Anywhere! , which will be published in the Spring of 2008 by DPL Press.
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Thursday, August 02, 2007

Costs of Pampering Pets

The average pet costs about $11,000 over the course of their life, according to Consumer Credit Counseling Service. This release from CCCS had some great tips for containing costs, while enjoying pets.


"Considering a Pet? Consider the Costs

If your home is one of the more than 70 million that includes a pet, you already know the joy and unconditional love that comes with having a furry friend as part of your family. In addition to the companionship that having a pet brings, research shows that contact with animals can have real health benefits too, including reducing stress, preventing illness and allergies, lowering blood pressure, and aiding recovery after surgery or illness.

“While pets can be a wonderful addition to any family, it is important to consider the costs of purchasing and caring for your pet over its lifetime,” said Jessica Cecere, president of Consumer Credit Counseling Service of Palm Beach County and the Treasure Coast (CCCS).

According to the American Pet Products Manufacturing Association (APPMA), consumers will spend 40.8 billion dollars on their pets this year, including more than $16 billion on food and almost $20 billion on vet care and supplies. Pet owners will spend $2.9 billion on grooming, boarding and other services for pets.

Caring for your cat or dog will cost about $11,000 over their lifespan, which averages 8 years for large dogs, 14 years for smaller dogs, and 16 years for indoor cats. Some birds have a life expectancy of 40-50 years.

CCCS suggests that consumers consider all the costs before bringing Fido or Fluffy home:

To purchase or adopt

Adopting a pet from your local humane society or animal rescue organization is much less expensive and most adopted animals will already be spayed or neutered.

Healthcare

While annual vet visits for dogs and cats can cost $175-$250, keeping your pet healthy will save money in the long run. Annual physicals, routine dental care, and vaccinations are all part of ensuring an active and healthy pet.

Food costs

Consumers will spend an average of $188 to feed a cat this year, and $217 to feed a dog, according to the APPMA. The cost to feed a large dog can be up to $10 or more per week. This doesn’t include vitamins or treats, which add another $70 to $140 per year. For homes with multiple pets, the cost of feeding the animals can get very expensive.

Boarding

If you plan to take a vacation this year and leave your pets behind, boarding or pet sitting costs can add hundreds to your annual budget. The average family will spend $150 to board a cat and $225 to board a dog this year. In-home pet sitting services may cost a little more, but can be less stressful for your pet. Offer to trade pet care duty with a neighbor and you’ll have more money to spend on your vacation.

Grooming and basic care
Keeping your pet groomed won’t just make him look better; it can improve overall health. Regular trips to the groomer can add up to hundreds of dollars a year, but there are inexpensive things you can do at home. Keep your dog or cat’s nails trimmed. Brush them regularly—this will help cats avoid hairballs.
Learn how to clean your pet’s ears, especially if they are prone to ear infections. Brush your pet’s teeth regularly with toothpaste specially formulated for them. This can help prevent the needs for dental cleanings, which can cost $200 or more per visit. If you have cats, maintaining litter boxes can add an additional $250 or more to your annual budget.

The little extras

Designer pet attire, brand name shampoo and grooming products, gourmet treats and food, personalized food and water bowls… there is no shortage of items out there for the pampered pet. Whether it is a trip to a doggy day spa, a monogrammed sweater, or a self-cleaning litter box, the cost of these pet accessories can add up quickly. Avoid the impulse to spend money on these items and opt instead for some quality time with your pet."


www.cccsinc.org or 1-800-330-CCCS.
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Wednesday, March 21, 2007

Tainted Pet Food Teaches: Fancy Brand Labels May Be Scams

As a dog owner, I've been actively scanning the growing list of tainted pet food brands. I want to make sure that our dog "Scruffy" does not eat the food that has killed or sickened many other pets.

But beyond the food product scare, the tainted pet food case offers one major lesson on labels, marketing and consumer dollars. For instance, one pet food manufacturer produces dog and cat food for dozens and dozens of name brand and private label companies. That production scenario explains why so many different brands have been hit by the tainted pet food. This story provides an excellent summary of the situation.


"...some of most premium pet-food brands in the U.S. use the same manufacturer that processes dozens of low-price private-label products, according to Adage.com."

--Monsters and critics.com


The bottom line: As consumers we pay different amounts of money ---sometimes dramatically higher-- for basically the same products that are dressed up with fancier labels, celebrity endorsements and big-ticket marketing campaigns.

Beyond pet food, the same production scenario exists in cosmetics, household products and food products for people. While researching one story about private label foods, I was surprised at the number of big label names that also made private label products using the same formula.

A father of friend once supervised the production of candy for a private label company. His daughter shared this insight with me: The two different versions of the candy sported the same recipe, but different labels and prices. Likewise, a television makeup artist once told me that cheaper cosmetic labels are often identical or similar to higher-priced brands.

So why pay more?
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Wednesday, January 10, 2007

American Idol's Simon Cowell & the Rescued Pup

In this photo from People* magazine, American Idol's Simon Cowell is pictured holding a rescued pup from a local shelter. Cowell was doing his good-citizen duty at a benefit for rescued animals.


photo credit: Malibu Media

"New Idol contestants take note! Proving his bark is worse than his bite, Simon Cowell lets his guard down Tuesday during an encounter with a furry friend at the opening of The HOPE Animal Rescue Sanctuary on Barbados."--People.com


Pet rescue and pet adoption organizations are a great way to adopt pets. Our pup Scruffy was abandoned with several of his siblings in a bag in front of a supermarket when they were weeks old.

After years of avoiding pet pleas from our kids, we gave in. We adopted Scruffy, who has been a great pet. I have this advice for parents of pet-craving children

1) Adopt a pet. Avoid high-priced new "designer" dogs, which sport new labels for mutt, according to animal experts I have interviewed. Example: puggles (a pug and beagle mix), labadoodles (lab and poodle mix). Call it a mutt and save your money.

Those new-breed mixes can cost $1,000 and more. But to adopt a pet will cost somewhere around $50 to $200, including shots and other vet services. (Adoption fees vary according to the non-profit group.)

2) Reality check: Realize that it's your pet, not the kids. Children lose a bit of interest after the second week. As an adult, you will walk, train, feed and play with the dog most of the time. What's more, you will fall in love with the dog.

3) Even an adopted pet is going to cost you lots of money. (You have no idea. We had no idea.)

4) Say goodbye to your carpets if you get a puppy. We had a new tile floor installed last week.

5) Pets are a great learning/parenting tool. In all fairness, our kids do pitch in to help with Scruffy. Not as much as we imagined, but there is a sense of shared responsibility. We've all become more disciplined.

6) Shop frugally for pet supplies and services. The Mighty Bargain Hunter had a great series on containing pet costs. Here's a piece I wrote about pet supplies from the dollar store.

Here are my other Scruffy stories and another link: Scruffy, Our life coach.


*disclosure: On a contract (free-lance) basis, I periodically work for People. My blogging work is independent of those ties and I regularly write about many news organizations: Us magazine, TMZ.zone, WSJ, NYT and Miami Herald, and others.
See my full disclosure.

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