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What are the ongoing costs of a dog?

FrankRizzo
Posts: 240 Forumite


Hello,
We have been seriously considering getting a dog for about 5 years now and feel as though we now have the time/energy/patience to go ahead with looking after a dog, etc.
We are looking at a bigger breed like a Golden Retriever or German Shepard. We will be fully invested in a dog that size/type.
With bills and everything going up now we really need to budget better.
We both have never had a dog or really any pets. I was wondering if anyone can give me a list of the outgoings we need to consider for the dog?
Any help appreciated!
We have been seriously considering getting a dog for about 5 years now and feel as though we now have the time/energy/patience to go ahead with looking after a dog, etc.
We are looking at a bigger breed like a Golden Retriever or German Shepard. We will be fully invested in a dog that size/type.
With bills and everything going up now we really need to budget better.
We both have never had a dog or really any pets. I was wondering if anyone can give me a list of the outgoings we need to consider for the dog?
Any help appreciated!
0
Comments
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More important than financial cost - is that of time ? Is there always an adult at home ? Two/three hours real physical exercise a day.Never pay on an estimated bill. Always read and understand your bill0
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Vet bills are very expensive!0
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The pdsa has rough figures for dogs, and a list of things you'll need. https://www.pdsa.org.uk/pet-help-and-advice/looking-after-your-pet/puppies-dogs/the-cost-of-owning-a-dog
I'm a cat owner, but I think this holds true for dogs too - underspending in one area can lead to overspending in another. Poor quality food can mean health problems and vets visits. Not enough toys and enrichment can mean destroyed furniture. So be certain you can afford everything.2 -
Just remember that not everything has to be expensive/ perfect
You can make perfectly good beds from old human duvets & tugger type toys from old tee shirts. If you are getting a puppy then items like collars and leads are quickly outgrown.
Look for some items from car boot sales etc
I still have large oval plastic beds (put duvet inside) which came from the 'shop' at the tip (sadly no longer there) costing me the princely sum of £1 each. Stoneware water bowls- also £1 from charity stall
Treats can be home made- cheaper and you know what is in them.
Many enrichment activities with dog can be free. Check out websites such as Dogs Trust, Dogs for Good for ideas.
Some costs to remember:
Crate for crate training- I borrowed mine
Annual vaccinations
one off vet bills- check consultation charges
Wormers & flea treatment- buy online to save money from online pharmacies- not vets & not supermarkets.
Some vets offer 'packages'- check that they are worth the money
Dog training (essential for a couple of years I would suggest especially if you haven't had a dog before)
Kennels- if you are going on holiday. Usually kennel cough vaccination needed for this.
Also remember this a long term commitment.
One of my hounds will be 15 on Sunday.
Enjoy your new companion
I'd be lost without my trailiesBeing polite and pleasant doesn't cost anything!
-Stash bust:in 2022:337
Stash bust :2023. 120duvets, 24bags,43dogcoats, 2scrunchies, 10mitts, 6 bootees, 8spec cases, 2 A6notebooks, 59cards, 6 lav bags,36 angels,9 bones,1 blanket, 1 lined bag,3 owls, 88 pyramids = total 420total spend £5.Total for 'Dogs for Good' £546.82
2024:Sewn:59Doggy ds,52pyramids,18 bags,6spec cases,6lav.bags.
Knits:6covers,4hats,10mitts,2 bootees.
Crotchet:61angels, 229cards=453 £158.55profit!!!
2025 3dduvets3 -
Mine goes for a haircut every 6 weeks @£37 a time.
I don't spend that on myself.2 -
Robin9 said:More important than financial cost - is that of time ? Is there always an adult at home ? Two/three hours real physical exercise a day.1
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It very much depends on the dog!
My last dog didn't play with toys, didn't like chews, wasn't destructive etc. As long as she got 2 meals a day and 2 walks a day then she was happy as Larry and she slept the rest of the time. So the only real costs for her were food, insurance, flea & worming every so often, annual boosters and the one-offs like collar, harness, leads etc.
My current two dogs are a different kettle of fish! Go through toys at a rate of knots, need lots of daily enrichment (doesn't have to be expensive but things like Kongs and Licki-mats add up, especially when I have to buy two of everything), have already cost me lots at the vets despite only being with me a matter of months and one of them destroys furniture if I don't give him appropriate things to chew on a daily basis. He also has to have a specific diet that isn't particularly cheap. He's a similar size etc to my last dog but probably costs me twice what she did on a monthly basis!
I would estimate that on average, I spend around £150 a month on my two dogs to include food, treats/chews/toys, insurance etc. Then vets for routine or unclaimable stuff perhaps another £50-100 a month as they've usually got something going on. But was way less with my last dog, probably £70 a month all-in for her.1 -
Every time my brother brought the idea of getting a dog my mom would always respond with "and you'll be at home 4 times a day for the next 20 years". And that's from a woman who loves dogs!
So if you're not at home to do all the dog walking who will do it and how much will it cost? And when you go on holiday you'll need to get a pet sitter or board the pooch. How's your area for doing the actual walking? Parks/fields nearby? Will your dog be a puppy needing to be trained to behave when out on a leash? Or an older dog that will need to be retrained? Where will your dog be during the day when you are working? In the house or out in the garden? What if it barks a lot? How will the neighbours react?? Do you have or anticipate having children? What if one is allergic to a dog you've had a few years?
But for all of that dogs can be excellent companions and pets. I was raised in a home with 2 dalmatians and can't imagine a childhood done differently. I'm currently without any pets but have until last summer had cats for nearly 30 years - still heartbroken a bit after my last one died. But also relieved for the freedom and less expense.
And after all that - where we used to live I spotted the next door neighbour come out of their house one day with a lovely big golden retriever. I was surprised as I didn't know they were particularly interested in pets and asked who it belonged to - apparently they had acquired it 6 months earlier and the dog was so well behaved we hadn't realised it had moved in! I expect our cats did as it would explain why they had been sitting on the fence between our gardens. Additionally - we and another neighbour were burgled one Christmas eve - the house with the retriever wasn't hit. And I suspect our cats had probably opened our door to the robbers. So lots of good reasons to get a golden retriever in my opinion - even if i would prefer another cat myself.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇1 -
I am not going to comment about pet insurance- it's an involved topic! but if you don't buy pet insurance do make sure you have 3rd party insurance- the easiest way is to become a member of Dogs TrustBeing polite and pleasant doesn't cost anything!
-Stash bust:in 2022:337
Stash bust :2023. 120duvets, 24bags,43dogcoats, 2scrunchies, 10mitts, 6 bootees, 8spec cases, 2 A6notebooks, 59cards, 6 lav bags,36 angels,9 bones,1 blanket, 1 lined bag,3 owls, 88 pyramids = total 420total spend £5.Total for 'Dogs for Good' £546.82
2024:Sewn:59Doggy ds,52pyramids,18 bags,6spec cases,6lav.bags.
Knits:6covers,4hats,10mitts,2 bootees.
Crotchet:61angels, 229cards=453 £158.55profit!!!
2025 3dduvets1 -
Brie said:Every time my brother brought the idea of getting a dog my mom would always respond with "and you'll be at home 4 times a day for the next 20 years". And that's from a woman who loves dogs!
So if you're not at home to do all the dog walking who will do it and how much will it cost? And when you go on holiday you'll need to get a pet sitter or board the pooch. How's your area for doing the actual walking? Parks/fields nearby? Will your dog be a puppy needing to be trained to behave when out on a leash? Or an older dog that will need to be retrained? Where will your dog be during the day when you are working? In the house or out in the garden? What if it barks a lot? How will the neighbours react?? Do you have or anticipate having children? What if one is allergic to a dog you've had a few years?
But for all of that dogs can be excellent companions and pets. I was raised in a home with 2 dalmatians and can't imagine a childhood done differently. I'm currently without any pets but have until last summer had cats for nearly 30 years - still heartbroken a bit after my last one died. But also relieved for the freedom and less expense.
And after all that - where we used to live I spotted the next door neighbour come out of their house one day with a lovely big golden retriever. I was surprised as I didn't know they were particularly interested in pets and asked who it belonged to - apparently they had acquired it 6 months earlier and the dog was so well behaved we hadn't realised it had moved in! I expect our cats did as it would explain why they had been sitting on the fence between our gardens. Additionally - we and another neighbour were burgled one Christmas eve - the house with the retriever wasn't hit. And I suspect our cats had probably opened our door to the robbers. So lots of good reasons to get a golden retriever in my opinion - even if i would prefer another cat myself.1
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