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How to Care for Your Pet During Inflation: 9 Tips for Saving Money

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How to Care for Your Pet During Inflation
Meagan Drew Bio
Meagan Drew
Jan. 22, 20253 min read
As inflation continues to impact everyday expenses, pet owners face tough decisions about managing rising costs.

With veterinary services seeing increases of 7% and pet food prices jumping by up to 20%, finding ways to save without compromising care has become essential.

While these challenges can feel overwhelming, comparing our best pet insurance providers and implementing smart money-saving strategies can help pet parents maintain quality care on a budget.

Understanding the Impact of Inflation on Pet Care

The impact of rising costs on pet care has become impossible to ignore. That premium bag of pet food that cost $50 last year might now run $65 or more, while veterinary services have seen price increases of 7% across the board. 

For many pet parents, these rising expenses mean carefully reconsidering their approach to pet care. Fortunately, there are smart ways to manage these increasing costs while ensuring our pets receive the quality care they deserve.

Our Breakdown: 6 Tips for Saving Money on Pet Care

1. Buying in Bulk

Purchasing larger quantities of shelf-stable items like food and litter can reduce costs by 20-30% per unit. Before making bulk purchases, consider storage space and expiration dates. Create a price-per-unit comparison chart to ensure you're getting genuine savings, as some bulk options may actually cost more per unit than regular sizes on sale. Calculate how long supplies will last based on your pet's typical usage to avoid waste.

2. Generic Brands vs. Premium Brands

Many store brands offer comparable quality to premium options at significant savings. Focus on ingredient lists rather than brand names—some premium manufacturers produce more affordable lines using similar recipes. For example, the high-end brand Merrick offers Whole Earth Farms as a budget-friendly alternative with comparable ingredients.

3. Look for Sales and Discounts

  • Combine loyalty programs with coupons: Maximize your savings by combining store loyalty programs with manufacturer coupons and sale prices. Major retailers often offer seasonal clearances with deep discounts, making these perfect times to stock up on essentials.

  • Monitor deal alerts: Sign up for store newsletters and price-tracking apps to receive early notice of sales and access to exclusive deals. Many online platforms specialize in pet supply coupons and price comparisons, helping you spot the best deals. 

While maintaining your pet's primary commercial diet, supplement with home-prepared treats and toppers. Simple recipes using lean meats, vegetables, and whole grains can provide healthy variety while stretching your food budget. Always consult your veterinarian about proper portions and safe ingredients.

4. Groom Your Pet At-Home 

Professional grooming costs dogs an average of $60-100 per session. Learning basic grooming skills can save hundreds annually. Start with simple tasks like nail trimming and basic brushing, gradually building to more complex grooming as your skills improve. Essential grooming tools typically pay for themselves within two to three professional sessions.

5. DIY Toys and Accessories

Create enrichment toys using household items. Transform cardboard boxes into cat play stations, make puzzle feeders from PVC pipes, or create durable dog toys from old denim. These alternatives can save substantially while providing similar entertainment value to store-bought options.

6. Save Money By Managing Veterinary Costs

Pet Insurance

Early enrollment in pet insurance often provides the best value, as policies typically exclude pre-existing conditions

Compare pet insurance deductibles, coverage limits, and wellness care options. Some policies offer significant discounts for multiple pets or annual payment options.

Preventative Care

Regular preventative care helps avoid costly emergency treatments. Many vets offer wellness plans that start as low as $10 per month. Maintain consistent dental care, weight management, and parasite prevention to prevent expensive health issues. Tracking your pet's health at home, such as weight and eating habits, can help identify potential problems before they become serious medical concerns.

Low-Cost Clinics and Veterinary Schools 

Vet schools and teaching hospitals often provide discounted care while training future veterinarians. Rural practices also tend to be more budget-friendly than city clinics. Many offer annual wellness packages that bundle routine care for additional savings. You can find accredited teaching hospitals through the American Veterinary Medical Association.

3 Additional Tips for Saving Money on Pet Care

  1. Evaluate subscription boxes carefully: Calculate the true value of each item against retail prices before committing. Choose services that allow customization to avoid paying for items your pet won't use.

  2. Tap into community support: For emergency assistance, connect with local rescue organizations and pet food banks. Many manufacturers distribute samples and coupons through veterinary offices and shelters.

  3. Create a pet care network: Organize a pet-sitting exchange with trusted neighbors to avoid boarding costs. Some owners also share pet transportation duties for vet visits to save on mobile vet fees.

Conclusion

Managing pet care costs during inflation requires strategic planning and resourcefulness. By combining smart shopping techniques, DIY solutions, and preventative care, pet owners can significantly reduce expenses while maintaining high standards of care. Remember that small changes, consistently applied, can lead to substantial savings over time without compromising your pet's health and happiness.

Meagan Drew Bio
Written byMeagan Drew

Meagan is a former financial advisor who spent seven years focused on client financial literacy. She writes for BestMoney.com, Investopedia, Apple News+, and SimpleMoneylyfe.com, specializing in making complex topics like investing, insurance, and budgeting accessible and engaging.

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