The commitment
What will a dog really cost?
Money is the least romantic part of this, and the part most likely to hurt later. Here's the shape of it, honestly. Actual prices differ enormously by country, city and dog.
Before your dog arrives
The one-off spend. Most of it happens in a single fortnight, which is why it surprises people.
Purchase or adoption fee
Varies enormously by breed, country and route
Bed and a crate if you use one
Buy the size they'll grow into
Bowls, collar, harness, lead, ID tag
Legal ID requirements differ by country
Grooming kit
Brush, comb, nail clippers, toothbrush
Toys and chews
Fewer than you think, replaced more often than you think
First vet visit
Check-up, vaccinations, microchip where not already done
Every month
The steady cost. Worth writing down honestly before you commit, not after.
Food
The single biggest monthly line, and it scales with size
Treats and chews
Training runs on them in year one
Insurance
Cheaper the younger and healthier they are
Grooming
From nothing to a salon visit every six weeks
Routine care
Worming, flea and tick treatment, nail trims
Help while you work
A walker or day care, if your days are long
Something to be ready for
The part nobody budgets for. A little put aside each month makes these bearable.
Unexpected veterinary treatment
Injuries and illness rarely arrive conveniently
Dental care
Very common in middle age, and not cheap
Emergency and out-of-hours care
Costs more than a planned appointment
Replacing things
Beds, leads and one or two items you were fond of
Where the numbers come from