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& My money

Four budgeting tips for new pets this Christmas

Welcoming a new pet into your family at Christmas is exciting.

You’re feeling prepared – you’ve got your toilet training game plan, booked in obedience training, and allocated some responsibilities to the kids to help them learn to care for their new pet. Great!

While we can’t give you tips on how to help your new pet settle in, we can share a few budgeting tips to manage the new expenses that come along with your new furry friend.

Set up a separate savings account for unexpected vet bills. You know the ones; where you suspect your puppy has stolen a sock from the laundry and swallowed it.You can stash away a portion of money each month ready for that rainy day, or for when the annual vaccination has crept up again.

Shop around for the best deals on your pet consumables like food, toys and even regular flea and worming treatments. Convenience can often win over, and you may be willing to pay a little extra in price to save the hassle of going to another shop. But, with lots of online retailers offering fast delivery and competitive pricing, you don’t have to comprise too much if you’re looking for the best value for money.

Set up Pay&Save on your & Transaction Account to make your daily spending work for you. Grabbing a coffee before work? Say the cost of coffee is $4.50. We’ll round up the transaction to $5.00 and that 50 cents will be transferred to your linked P&N Savings account. Before you know it, you’ll have accrued enough to buy a new chew toy or the month’s bag of cat litter.

For dogs, consider if you can DIY any grooming, exercise or entertainment. Getting the kids involved to wash your dog at home can save you lots of money compared to a groomer or other dog wash facilities. Regularly walking your dog, visiting a dog park or going to the beach are all great, cost-free ways to keep your dog exercised, and can save you on doggy day care fees. Plus, you can get the family involved for some quality family time while you’re at it.

Finally, don’t forget to budget for some of the bigger costs, like sterilisation if you’re getting that procedure done for your pet, or pet insurance premiums. If you would like to chat about the accounts that could work for you, contact us on 13 25 77 or email us at [email protected].


Any advice given does not take into account your personal, financial situation or needs. Please consider whether it is appropriate for you. Please read and consider the PDS and Target Market Determination (TMD) to see if the products are right for you.

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