It’s been on my mind a lot in the past year.
My wife and I have two dogs and two cats. We both love animals, but I’m starting to wonder if there should be a financial cap to our “love.” My wife would hesitantly say no, while I can’t help but say yes at this point.
Let’s start from summer 2007, when we procured these animals. We bought a small “designer” dog in May, adopted two cats in July, and adopted a 50-pound dog in September. During that summer, we discovered that our small dog had a genetic liver disorder, a shunt, which had to be surgically fixed (or else the puppy would have to be kept on a special diet for 5 or 6 years — after which it would probably die). The vet bill was over $2,000 for this surgery. After contributions from my wife’s parents and a refund from the pet store, I was $1,000 out-of-pocket. It was a stressful time financially and emotionally, but I don’t regret it.
Several months later, the same dog broke his foot. $300-ish later, he was better.
Fast forward a year. My other dog has heartworms, which she’s probably had since we adopted her. This is another $700 to get rid of them. Yesterday, I seriously considered throwing in the towel and not treating the dog’s heartworms. But my conscience (and my wife) got the best of me. It has to be done.
So I ask myself: How much would the heartworm treatment have to cost before I said no way? What if the treatment was $1,000 instead of $700? It’s just another hundred dollars on top of a couple more hundred, right? And it surely doesn’t matter because it’s all going on our credit card, right?
That’s another thing: our debt. After moving, making necessary (and unnecessary) purchases, taking care of the dog’s surgery, etc. etc. etc., we are about $40,000 in debt, including our car notes but not including our mortgage. A lot of this debt was accumulated recently, while other was while I worked my way through college, but the bottom line is that $40,000 plus interest is waiting to be paid off. I’m only thankful that my father is going to pay my student loans (which I have not included in that $40,000 total).
Yeah, it’s a lot, but I will say that we are not struggling. We are not living beyond our means, I am making the payments in full and on time, and I have worked out a system that will have us debt-free in four years. In two years, my wife will be out of college with her master’s, working at a school and we will be pulling in an extra $20k a year. And in four years, when we will no longer have to contribute $1000+ a month to paying off loans, we want to prepare our finances to have a child within the subsequent two years.
Or at least that’s the plan.
Another $1000 in debt to save our dog — whatever. But I just have a gut feeling that it won’t end. I want to be able to afford to have a kid, but we are spending and spending on these animals as if we already have kids. Eventually, we will have reserve cash to take care of these vet emergencies (and avoid more debt), but it will come at the expense of never being able to save enough to raise a real family.
Thus, back to my original question: Where’s the cap? When do I have to say enough is enough?
I think I’ll say it right now. If we are to continue on our path of being debt-free (save for the mortgage) in four years, we need to decide that inflated vet bills have come to an end, with few exceptions.
I’ll pay for their annual shots. I’ll kill their fleas and ticks. I’ll give them heartworm preventative. I’ll even pay to fix their broken bones and cuts and bruises. But there has to be a limit. I can’t save my pets if they get cancer or some parasite from the third world. I just can’t spend the hundreds, if not thousands, of dollars it would take to keep them from dying of every little disease out there. I’m sure I’ll get some shit for this, but I’ve already done more for my animals than the average pet-owner would do. I’m pretty much done.
As for the cats, I won’t even start. They’ve never been to the vet for a checkup, nor will they ever go. They aren’t on heartworm medicine. I’m not sure if I would do much of anything to save their lives if it costs over, say, $200. And even then, I’d only do it once.
I hereby move to be progressive in getting out of debt.














Hurricane Gustav is on his way to rape, kill, and loot us all
August 30, 2008As I write this, Hurricane Gustav is a Cat. 4 hurricane and passing through the northwest part of Cuba, where it will subsequently enter the gulf and strengthen again.
And that means, for the imbeciles in my town, it’s time for:
Destroy your city and self-respect before it's too late.
Check out WeatherUnderground.com’s computer models:
Now, I won’t tell you what city I live in, but I do live in that state, and I am not in the direct path of any of the models you see (I’m sure it’s not hard to figure out where I live).
Granted, this is probably going to be a bad storm. We will likely lose electricity for a day or two if the hurricane continues on its projected path. However, this town is treating the storm — once again — like the apocalypse. I went to Wal-Mart for dog food and some fruit today. Big mistake. It’s the most ridiculous, pathetic thing you’ll ever see. If I happen to need gas, bottled water, batteries, or canned vegetables this weekend for any legitimate reason, I am shit out of luck because the fear-loving hicks have taken it all.
At first, it was just Wal-Mart that was insufferable to be in. Trashy southerners don’t realize that other stores sell things. But then, word got out in AOL e-mail FWDs that hardware stores have batteries and flashlights and even drinking water. People who have no business owning generators are now spending $900 to save $50 worth of food in their freezers. All of a sudden, everyone needs gasoline.
Sure, it’s never a bad idea to overprepare, but people are getting greedy. I witnessed one person singlehandedly wipe out the stock of C batteries at Wal-Mart earlier this week. All of the typical sliced bread is gone, but the “premium” breads like Pepperidge Farm and Sara Lee are completely in stock. No one dare spends an extra dollar on bread. As far as these inbred fucks are concerned, there’s no more bread.
People are going apeshit about this hurricane, and from my experience with hurricane Katrina, we should only worry about the following things:
When I can afford to live in a place with higher cost of living, I am leaving Louisiana. I am leaving the south. There is too much truth to the generalizations about people from the south.
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