While it is impossible to place a price on the human-animal bond, the real-world costs of owning a pet are often a real concern for many owners, especially during times of economic uncertainty and instability. With prices rising in almost every sector, even the most basic costs of feeding and caring for an animal add up fast, not to mention the potentially crippling financial burden of caring for a pet that requires surgery or is battling a serious or chronic condition.  

At PAWS/LA we passionately believe in the physical and psychological benefits of pet ownership, especially for those struggling with a disability of some kind. We believe this basic right transcends financial considerations and should be available to everyone regardless of their economic situation. That’s why we do what we do, offering support services to military veterans, seniors and individuals living with HIV or AIDS. 

Yet beyond these more urgent cases of financial instability, there are things all pet owners can do to reduce the financial burden of caring for an animal.  With a little planning and savvy spending, you can create a solid pet budget and stick to it without compromising the quality of the care you provide. Such an approach is becoming increasingly necessary in ou current climate, even for those who might not have struggled in the past. 

In this post, we’ll outline a way to budget for pet food and essentials, how to spot real savings (vs false economy), and where you can cut costs without cutting corners. 

Before you can budget for anything, you need a clear picture of your current spending. Take at least a couple of months to track and record your pet-related purchases, noting down your findings in a notebook or online spreadsheet. Be thorough, including costs that at first glance may seem unrelated to your pet. A shedding cat, for example, may create a significant amount of additional laundry, while dogs sometimes chew up or otherwise ruin items in the home. Other things to consider include: 

• Food and treats 
• Litter, bedding, or grooming supplies 
• Waste bags, pads, cleaning products 
• Toys and enrichment items 
• Vet bills and medications 
• Subscriptions or memberships (like BarkBox or pet insurance) 

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This step alone can be eye-opening. Maybe you're spending more than you thought on impulse treat buys or specialty toys. Maybe you're switching brands often and missing out on bulk discounts. Once you know the numbers, you can build a more intentional plan. 

Once you’ve tracked your spending, it’s time to create a realistic monthly budget. Don’t forget to account for both routine and occasional expenses. 

Example Monthly Budget (for a 40 lb dog): 

• Food: $45 
• Treats: $10 
• Waste bags: $5 
• Flea/tick meds: $10 
• Annual vet check (averaged monthly): $15 
• Toys or enrichment: $5 

 
Total: $90/month 

Your numbers will vary depending on the pet type, size, and lifestyle—but the key is to find your baseline and stick to it. Budgeting helps you plan for essentials and spot any overspending areas quickly. 

Overfeeding is a silent budget killer. It shortens how long a bag lasts and can lead to obesity, which comes with costly health consequences. 

Tips to prevent overfeeding: 

• Use a measuring cup , not a guestimate 

• Follow the portion guidelines on your food packaging (adjust for your pet’s activity level and age) 

• Ask your vet for feeding advice if you’re unsure ​

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Feeding the right amount means your food lasts longer, and your pet stays healthier—saving you money in the long run. 

Treats and toys are fun and great for training—but they can sneakily eat into your budget if you’re not careful. The solution? Make your own.

Easy dog treat idea: 

• 1 mashed banana 

• 1 cup oats 

• 2 tablespoons peanut butter (no xylitol!) 

• Mix, shape into small balls, and freeze 

DIY toys and enrichment: 

• Use an old towel to create a snuffle mat 

• Hide kibble inside a cardboard egg carton for a food puzzle 

• Repurpose socks or T-shirts into tug toys 

​Not only do you save money, but DIY enrichment also keeps your pet mentally engaged. 

Cats, small animals, and birds all need some type of litter or bedding—often on a weekly basis. Here’s how to save: 

Cat Owners: 

• Try store-brand clumping litter or wood pellet options (often cheaper and eco-friendly) 

• Look for litter in larger bags for better value 

• Track how much you use each month so you can buy just what you need—no more, no less 

Small Animal Owners: 

• Paper-based bedding is soft and absorbent, but costly—try bulk buying or mixing with shredded paper (avoid printed inks) 

• Spot-clean cages daily to extend the life of bedding 

Cleaning supplies (enzyme sprays, stain removers) are another regular cost. Look for concentrated versions you can dilute, or make your own vinegar-based cleaner for accidents. 

Even if you’re budgeting well for monthly expenses, it’s smart to plan for surprises: 
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• Emergency vet visits 

• Pet-sitting or boarding costs 

• Replacing chewed-up gear or crates 

Add a “pet buffer” to your monthly budget—say $10–$20/month—so you’re building a cushion. Even better? Create a dedicated pet emergency fund  with $200–$500 set aside just in case. ​

Sometimes, cheap isn't better. Low-quality food might lead to health problems, or a bargain toy could break and be a choking hazard. Always think long-term. It's better to:
 

• Spend a little more on high-quality food that keeps your pet healthier 

• Buy one durable toy instead of five flimsy ones 

• Invest in vet-recommended preventatives rather than treating problems later ​

Saving money doesn’t mean sacrificing care—it means being intentional about how and where you spend. ​

Pet ownership is one of life’s greatest joys—but it’s also a long-term financial responsibility. Creating a solid budget for your pet’s food and essentials helps you avoid surprises, reduce waste, and feel confident that you’re giving your furry friend the best life without draining your bank account. 
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By buying smarter, tracking your spending, and being a little resourceful, you’ll find that budgeting for your pet doesn’t mean giving up anything—it just means giving better, more intentionally. ​

Donating your hard-earned cash to a nonprofit can be more than just a generous act. It may also provide significant tax benefits for individuals and businesses, but only if each party does their full due diligence. In many countries, tax laws encourage charitable giving by offering deductions and credits to reduce taxable income and overall liability. Understanding these local tax laws can help donors maximize their contributions while leveraging a financial strategy that works for them. In this blog post, we explore the key tax advantages of donating to nonprofits in the United States, how to qualify for deductions, and strategic ways to make the most of your charitable giving. ​

One of the primary tax benefits of donating to nonprofits is the ability to claim deductions on taxable income. When individuals or businesses contribute to qualifying nonprofit organizations, they may be eligible to deduct a portion or all of their donation amount from their taxable income, thereby lowering the amount they owe in taxes. ​

Individuals over the age of 70½ with a traditional IRA can make a Qualified Charitable Distribution (QCD) of up to $100,000 per year directly to a nonprofit. QCDs count toward the Required Minimum Distribution (RMD) but are not included as taxable income, providing a significant tax benefit for retirees looking to support charities while managing their tax burden. ​

To make the most of tax advantages while supporting nonprofits, consider these strategies: 

a. Bunching Donations 
If your total deductions fall below the standard deduction, consider "bunching" multiple years’ worth of donations into one tax year to exceed the standard deduction threshold and maximize tax savings. 
b. Donor-Advised Funds (DAFs) 
A donor-advised fund allows individuals to make a tax-deductible contribution to a charitable account and distribute funds over time. This provides an immediate tax benefit while enabling strategic philanthropy. 
c. Payroll Giving and Workplace Donations 
Some employers offer payroll deduction programs that allow employees to donate pre-tax dollars, reducing taxable income automatically. 
d. Charitable Remainder Trusts and Gift Annuities 
These planned giving options provide donors with lifetime income while securing future support for charities and optimizing tax benefits. ​

To claim tax benefits, donors must  maintain proper records: 

• Receipts for donations over $250. 

• Appraisal documents for non-cash gifts over $5,000. 

• IRS Form 8283 for non-cash contributions exceeding $500. 

• Documentation for Qualified Charitable Distributions from IRAs. 

Failure to maintain proper records may result in denied deductions or IRS penalties. ​

Charitable giving is a powerful way to make a difference while leveraging tax incentives. Whether donating cash and appreciated assets, or establishing a charitable trust, understanding how to navigate the tax system can help donors maximize their contributions while minimizing their tax liabilities. Consulting with a tax professional or financial advisor can further ensure compliance with tax laws and facilitate strategic philanthropic planning. 

Using these tips, donors can not only support causes they care about but also achieve financial efficiency, making charitable giving a rewarding experience in more ways than one. 

It's a win-win situation!
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While not a money-saving hack, or gift suggestion, this point is worth stating regardless: Put the essential needs of your pets first. Don’t let the financial pressures of the season prevent you from caring for your animals with the same attention and dedication you give them year-round. For example, make sure you meet their nutritional needs before buying them that new toy. It’s not worth swapping the quality of your pet’s essential care, even temporarily, for some fancy seasonal luxury that will probably be forgotten come January 1st. Finally, remember that the best thing you can do for any loved one (really the only thing that matters) is to give them your love and attention. Quality time and play is worth more than any toy or treat.  ​

In my family, homemade gifts get a far better reception than those purchased in a store. After all, it takes considerably more time and effort to make something than it does to simply purchase or order it. Not that there’s anything wrong with spending money on your pets, but nothing you can buy will equal the thoughtfulness of a gift made by hand; something one-of-a-kind, which stands out from the offerings of an oversaturated consumer landscape. Since food is a huge part of many holiday traditions, consider making homemade pet treats with simple, budget-friendly ingredients. You can also use the prep and baking time as an opportunity to bond with your pet. Involving them in the process becomes a gift in itself. Check this list of recipes for ideas, or look online for a plethora of additional options. 
  
Besides delicious edible treats, DIY pet toys can be crafted from common household items, providing entertainment for your animals at a minimal cost. For example, a stuffed sock or small bell tied to the end of some string can provide your cat with hours of entertainment. For dogs, consider tying up srips of old t-shirt fabric to make a low-cost tug toy. As with food recipes, the internet is a treasure trove of potential DIY gifting options, many of which encourage using recycled materials: good for your pet, good for the planet! To get you started, this video shows how to make a DIY catnip toy for that special feline in your life. ​

If you don’t have time to go the DIY route, there are still ways to save money on purchased items. A variety of smartphone apps function as discount aggregators, compiling deals and coupons from across the web and incorporating them into a simple, easy-to-access list with direct links to the source of the discount. While these may not be pet-specific, many of the featured retailers stock animal supplies as part of their general inventory. You should also look for sales, discounts, and clearance items at local pet stores. Consider signing up for a consumer loyalty program that rewards you with points for consistently shopping at the same store or franchise. These discounts quickly add up. Finally, remember that you can repurpose everyday human items as pet-friendly gifts. A discount blanket, for example, can be transformed into a cozy bed for your furry friend. Including these items makes it easier to find a good deal. ​

Veterinarian services are by far the most financially burdensome of all pet-related expenses. Even basic procedures can end up emptying your savings in a blink. In many locations, the Winter months carry additional health risks such as canine flu, or accidents related to extreme weather conditions. No matter how tight your budget is, vet care comes first. Don’t delay treatment just to get through the holidays. If your pet does end up needing a procedure, research local clinics or animal welfare organizations that offer discounted or low-cost services. Some of these may organize special events or clinics where pet owners can access essential services or free, or at a reduced price. ​

The kinds of resources available, and challenges faced, will vary from community to community. What works in one city might be ineffective or unavailable in another. Reach out to local pet care clubs or online forums to connect with animal owners who may be facing similar financial challenges. Sharing resources, tips, and even organizing swaps for pet supplies can help low-income pet owners support each other during the holiday season. Facebook is an effective platform for finding such groups. Of course, always exercise caution with your online dealings, being wary of scams, and mindful of where and how you share personal information.  ​

With a bit of patience and the right tools, you can skip expensive trips to professional pet salons and handle basic grooming tasks at home. Invest in budget-friendly supplies, such as nail clippers and brushes, and take the time to beautify your pets yourself. Not only does this save money, but it also strengthens the bond between you and your furry friend. Who knows, you might even discover a passion for the art! 
  
As with everything in the modern world, you don’t have to take the DIY grooming journey alone. A plethora of online guides exist to demystify the process. YouTube is the best platform for video tutorials, while websites like WikiHow offer step by step text instructions. Of course, this doesn’t mean you need to suspend professional services indefinitely. An outing to an animal salon remains one of life’s true pleasures. 
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Just as there are thrift stores for human items, second-hand markets and online exchange platforms offer gently used pet supplies at a steep discount. From beds to toys, exploring second-hand options can help you provide for your pets without straining your budget. Facebook Marketplace is a good place to start looking for used goods in your area. Craigslist can also work. Again, watch out for scams and exercise due caution when conducting any monetary transaction. When it comes to certain items, such as blankets or beds, make sure you carefully treat and sterilize each new item to avoid bringing fleas (or worse) into your house. But don’t be squeamish. Those of us who shop second hand can testify to the kind of quality bargains that await those with the patience to search. ​

Planning is key to managing expenses. Create a budget that includes your pet-related expenses and stick to it. I repeat: Stick. To. It. Do your shopping as early as possible. When things get busy, a last-minute scarcity of essential items can drive up prices. Bear in mind that any online deals will need time to pack and ship. By planning ahead, you can avoid impulsive purchases and ensure that you meet your pet's needs without overspending. 

While the current socio-economic climate can seem indifferent, even hostile to people's everyday struggles, it's important to remember that a sturdy support network remains available to help both individuals and communities navigate difficult times. PAWS/LA is one of several organizations that exists to assist qualifying low-income pet owners in Los Angeles County, providing free food and supplies as well as volunteer services and vouchers for emergency veterinarian procedures. Alongside our organization, a variety of other programs offer further options for those in need. If one group is unable to meet your specific needs, another may be able to step in instead.  

Thankfully, pet care charities such as PAWS/LA operate in many cities and jurisdictions outside of L.A. County, and a few even function on a national level. A quick Google search can connect you with the support programs closest to you. If that doesn’t work, try reaching out to local animal shelters, pet food banks, or community programs, especially those positioned to fight homelessness and poverty. At the very least, these groups should be able to give you a list of nearby resources and point you in the right direction. Case and social workers are also great sources of valuable information. The precise services offered will vary from group to group.  
 
Overall, this process can require some digging. Try and assume an attitude of persistence as you explore your options and determine the programs that you qualify for; don’t give up at the first hurdle!  ​​

The Holidays don’t need to overwhelm low-income pet owners. By adopting a thrifty mindset, embracing creativity, and tapping into community resources, you can keep your budget intact AND ensure that your pets get a healthy dose of seasonal joy. It can be difficult, but try not to get in your head about things. Stay on guard against unhealthy expectations. Consumer culture bombards us with messages equating joy with abundance, and our capacity for happiness with our ability to consume. Love quickly becomes a material proposition, with expressions of affection reduced to a state of mere transaction. To succumb to such messages would be to miss the point of the season. Forfeiting authentic joy in the pursuit of an artificial ideal is a real holiday tragedy. Quite simply, everything we need is already in front of us. The most valuable gifts we can give our pets are love, attention, and care--all of which come at no cost. If we provide these, we can safely say our Holiday Season was a time of abundance, and that we went above and beyond to provide for our beloved animals. Sure, the toys are nice; sure, it’s fun to own stuff. But at the end of the day, nothing you can buy beats a wagging tail or sniffly, wet-nosed kiss on a cold day. ​