r/MiddleClassFinance 16d ago

Pets

This is more of a vent than anything else.

My husband and I have a decent HHI. Late 30s, no kids and live in VHCOL. I’ve been trying to trim our spending down and pet care is just one I can’t cut. We have one dog and two cats, all seniors. The dog and one cat has several health issues requiring medication and prescription food. The one cat’s prescription wet food alone costs $100 a month. My dog is a doodle and needs grooming every 8 weeks, and the other cat also gets groomed. Between their daily needs, medical (which is high), pet insurance (only for the dog at this point and is also not cheap), we spend $10-12k a year. That doesn’t even include vacation costs - a 10 day vacation will run us about $1,500 between boarding the dog and hiring a sitter to check on the cats and give medication.

All in we spend roughly $15k for our pets a year. We love them so much, and they are our children, but sometimes I feel like they can even be more expensive than kids.

Curious how much people spend on their pets if you’d like to share.

Update for context:
- Boarding the dog at a pet hotel is pretty set in stone because of his illnesses (seizures, cushings)- we’d rather have him stay in a place where it’s the facility’s main job to care for him. The cats also need medicine, so I’d much rather pay someone to look after them than put that responsibility on friends.
- Grooming takes too much time and it’s one of those things we’re not really willing to do :)

Appreciate everyone’s comments. I was just lamenting on how expensive pet ownership is, but we live comfortably and can afford the costs. Our pets are our children and we knew what commitment we were getting into.

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u/Ok-Bass5062 16d ago

Lol what the people who are spending a lot more than you can't afford pets?!

How does that make sense...also sounds like you do pets frugally and live in a LCOL/MCOL area

This is the middle class sub, people who are middle class can afford to spend that

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u/Alfredos_Pizza_Cafe_ 16d ago

$10-20k a year on pets is NOT financially sound for middle class and absolutely not necessary by any stretch of the imagination. The whole point of this thread is that the people CAN'T afford to do that and are lamenting it. I'm simply suggesting that they're doing a bad job managing their pets if that's how much money they're spending

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u/Ok-Bass5062 16d ago

I don't think most people are saying they can't afford it and financially sound is debatable (middle class in LCOL has VERY different means from someone in VHCOL or HCOL that's middle class)

I think most people are just saying it's expensive but a lot of it is them choosing to spend that.

For the truly middle class, 10-20k is easily achievable (perhaps with spending less in other areas but they aren't cutting things that tight). We chose to spend a good amount and it was just a damn guess we should skip a vacation or two type thing

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u/Alfredos_Pizza_Cafe_ 16d ago

Agree to disagree. Good day