Pet insurance: Is it worth the price?
Insurance for your furry friends can be pricey, but there are ways to minimize premium costs.
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My mother back in the 60's had an envelope for each of her 2 cats and each of her 4 grandchildren. Every week she put some money in it. When she died in 1979, one cat, Jenny, was left for us to take care of, her envelope had $368.00.
Silly Mom....I donated the $368.00 to a shelter in Mom's memory and we took care of Jenny like a baby until she died at the ripe age of 19.
We do what we have to do with our responsibilities.
We got a Chihuahua/Mini Doxie puppy in January. I had thought about pet insurance before, but because our cats are already well into adulthood (they're actually considered feline senior citizens) it didn't seem very cost effective for them. The dog is a different story. When I looked at the cost of all the dog's office vists, vaccines, spaying, including the dr and the hospital, it seemed far more cost effective to get insurance. So far, I was 100% correct.
I pay $31.95 per month for her first year and it drops to, I believe, $21.95 after she's 1 year old. At $31.95 per month (just under $385 a year), it's paid for itself many times over. The bill to have her spaved was almost $700 - nearly TWICE the annualized premium. So, yeah -- it saved me a LOT of $$! After she's 1 year, the cost is just over $250 per year. Her average office visit runs about $125. Two office visits and it's paid for itself.
I would absolutely 100% do it again if we ever have another puppy, or even a kitten.
This yarn is about whole milk. I'm my favorite pet and as such treating me frugally and healthily
is top priority. But there's a WEALTH of savings that can be passed to you by me treating my
pet very well. For starters, I loathe reduced-fat gallon sized milk products. I've tried for years to
like reduced-fat milk and have not changed my mind since age 7. At 70 now, I'm not about to
change. Or so I thought until and hour ago.
Our chain grocers sell milk by the gallon, and give discounts for two gallons purchases at a time.
The usual cost of one gallon only is $4.09, the usual cost of two one-gallon packs is $3.09 per
each. (Save a dollar per gallon but two must be purchased.) I can't consume even one whole
gallon in two weeks usually so two whole gallons would be out of the question as an avenue to
save. Not only that, I usually dispose of one-third a gallon within any 2-3 period, so again, one
gallon is too much but to buy the quarts the prices are even more ridiculous, so wasting is the
the lesser of two evils. So how does this affect you? Well, shop more often perhaps, or drink
more and waste less, or buy smaller quantities. Maybe do some of all? Ya, some of all.
A less-fatted milk is healthier for an adult; you'll have calcium deposits from drinking too
much whole-milk products, your cholesterol will become unbalanced, etc., etc. Your weight
and body mass index won't appreciate whole-milk either. Doctors recommend low-fat milk.
Because I was wasting milk (last time I checked my refrigerator) and noted again that even
the cheese was turning blue (which has to be cut away and wasted) I decided to adjust the
fridge's temperature to very cold.
Went shopping two day later. Bought milk for a dollar less than normal for a gallon size but
didn't get whole-milk but rather "44% less fat than whole milk" reduced fat milk (says its 2%
milk-fat). Brought home and refrigerated. 36 hours later decided I wanted a drink of milk.
Delicious! Reason? The temperature! All these years later and I could have been healthier,
and saving a bundle by buying the lower-fat substituted milks but never knew the temperature
would affect the taste. Today my PET is happier than ever and I'll never return to whole-milk.
LIVE LONGER, HEALTHIER AND SAVE 25% per container when you shop! Such returns
the stock market isn't offering usually.
Surprised the Libs. haven't mandated pet insurance. After all it would make it so much cheaper for those on food stamps and welfare to cover those poor animals that help them cope with not having a job.
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Saving just a single month of expenses may take longer than you think. See how your savings rate affects how quickly you can build a solid emergency fund.
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