Oi... Please don't get into dog ownership costs  Is it not better to treat them like the tanks? I prefer not thinking about how much our pets cost us - they just do - let's not try putting numbers to it 
Kinda like kids - ya can't put your budget together around them, because as soon as you've done that; she goes and grows out of all her clothes overnight and mom's gotta go buy her a new wardrobe thats 3 sizes bigger before school in the morning...
Although reserve slush funds are definitely handy for pets & kids... Pepper (at 14 months old) had a Fibrocartilogenous embolism back in feb - basically became a quadriplegic in a matter of 20 minutes after a minor sprain in her paw. She's mostly recovered now (still has a bit of a limp) but that was a ridiculously expensive vet bill... Yeah I'm a dummy, we're finding an insurance plan for the dogs now
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