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Owning a pet can come with surprising costs that add up over time, but smart planning can help you avoid budget surprises.

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. The big, pleading eyes in those adoption photos are nearly impossible to resist. Whether you welcomed a pandemic puppy or have been a long-time pet parent, your four-legged companion brings immeasurable joy to your life.