7 Tips to Stretch Your Dollar While Raising Kids & Fur-Kids Under One Roof

My late-night scroll led me to a video of a mom getting her two-year-old to train alongside her dogs. One of the pups has a history of biting, so she was teaching her daughter to be gentle while helping the dogs adjust to her presence. Parenting and pet parenting don’t come cheap, especially in Singapore.

Consider these no-fluff ways to stay financially sane while keeping your baby and pets happy.

#1: DITCH THE FANCY PET FOOD

You don’t need to splurge to give your pets healthy meals. Many premium pet food brands like Wellness Core and Taste of the Wild come in affordable “family pack” formats or generic equivalents with similar ingredients. Remember, look for real meat as the first ingredient and avoid meat by-products or corn.

#2: AVOID SPENDING ON PET FASHION

Yes, they look adorable in tiny tutus. But instead of splashing out on pet couture, invest in essentials like a durable collar, ID tag and comfortable leash. Your pet doesn’t care about trends, but your wallet will definitely feel it.

#3: GET INSURANCE FOR YOUR BABIES

Vet visits in Singapore can cost hundreds or even thousands. For instance, a single emergency surgery could set you back S$3,000 or more. So, consider pet insurance providers such as Happy Tails by AIA and Liberty Insurance. These insurance providers offer plans from S$24 per month with coverage up to S$10,000 per year.

The same goes for your baby. MediShield Life automatically covers Singaporean newborns. You can opt for a life insurance plan to protect your family if anything unexpected happens to you.

#4: DIY GROOMING AT HOME

Professional grooming can cost between S$50 and S$100 per session. With the right tools like a good brush, nail clippers and pet shampoo, grooming your pet at home becomes simple and affordable.

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Tip: Flea-fighting shampoos with ingredients like tea tree oil, oatmeal or coconut extract provide a natural and effective boost.

#5: TAKE ADVANTAGE OF GOVERNMENT BABY GRANTS

Take full advantage of Singapore’s Baby Bonus Scheme including cash gift, Child Development Account (CDA), and dollar-for-dollar matching up to S$15,000 (depending on the child’s birth order). Moreover, CDA funds can be used for preschool fees, medical expenses, and purchases from approved merchants like Watsons or Guardian.

#6: REVAMP YOUR HOUSEHOLD BUDGET

Children and pets bring along a range of new and ongoing expenses such as formula, nappies, vaccinations, checkups, grooming, and gear. It’s important to revisit your household budget regularly to reassess priorities, distinguish between essentials and non-essentials, and set clear financial goals. From baby enrichment classes and pet training to long-term tertiary education planning, there’s plenty to factor into your overall financial strategy.

#7: BUILD A MONEY BUFFER

Unexpected costs are bound to pop up. Whether it’s an emergency trip to the vet, a sudden medical bill, or replacing the stroller your toddler just destroyed mid-outing, having a safety net of three to six months’ worth of living expenses saved up can make a world of difference in keeping your finances stable and stress levels low.

IN A NUTSHELL

Image Credits: unsplash.com

 

Raising toddlers and pets in Singapore doesn’t have to come with financial stress. With smart planning and a few practical changes, you can give your kids and fur-kids the best things in life.

Sources: 1,2,3, & 4

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Low-Maintenance Cat Breeds To Bring Home

Cats are wonderful companions, especially as pets kept indoors. They are generally low-maintenance and are not difficult to provide care for. There are many breeds of cats that go beyond the black or white cat you see in the television. In fact, the International Cat Association (TICA) officially recognizes 71 breeds as of 2018. That is a lot!

If you are keen to own a cat, you may choose from these adorable low-maintenance cat breeds.

#1: SCOTTISH FOLD

What makes the Scottish Fold unique is its ears that fold forward and lie close to the head. This cat is a lovely addition to any home due to its adaptable personality and its short stature. They are unlikely to attempt any grand leaps or obstacle courses. It can get along with other cats, dogs, and children. Their thick coat is surprisingly easy to maintain as it requires brushing once or twice a week.

Global singing sensation Taylor Swift is a proud owner of Scottish Folds. Her Scottish Folds Meredith and Olivia were both named after fictional television characters.

#2: SPHYNX

The Sphynx is a hairless cat breed, which is often the first choice of cat owners with allergens. The Sphynx’s fur feels more like fine hair or peach fuzz. Not only will its owner get less allergy attacks, but it will not need to groom its fur regularly.

This is an independent cat that is happy to amuse itself while you are busy indoors or outside with your friends. You may invest in a cat tower as the Sphynx enjoy jumping around.

#3: BRITISH SHORTHAIR

Known for its easygoing temperament and undemanding personality, the British Shorthair is popular amongst many cat lovers. It is affectionate, but not needy. It is the perfect companion for people who are looking for cats that stay away from trouble while they are not home. This cat’s short and dense coat is easy to maintain. A good weekly combing should be sufficient to remove the debris and to distribute the skin oils for a healthy coat.

#4: MAINE COON

The Maine Coon originally descended from ship’s cats. It is the largest domesticated cat breed. It is known for its chill, almost dog-like personality. They love the outdoors and can even be walked on a leash. Despite its long coats and large stature, it only requires minimal grooming. This is because its fur is silkier. You just need to comb it once a week and you are good to go!

Although it enjoys human interactions, it can easily entertain itself and is not considered as clingy. Let it freely play on its own.

Image Credits: pixabay.com

Always remember that although these cat breeds are seemingly simple to take care of, you are still responsible for your cats. Love and treat them properly.

Sources: 1 & 2

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7 Low-Maintenance Dog Breeds To Bring Home

Whether it is your partner or your child that convinced you to get a house pet, there are many furry friends to choose from. Let us focus on the low-maintenance dog breeds. All dogs require ample love, care, and attention. However, there are some breeds that are willing to dance with your hectic schedule.

Welcoming a family pet is an exciting and life-changing milestone. As with all significant decisions, there must be a lot of research needed. Consider getting one of these seven family-friendly breeds.

#1: BOSTON TERRIER

Originally bred to be fighting dogs, the Boston Terriers of the modern age are affectionate, gentle, and delightful. Its tuxedo-like markings earned them the nickname “American Gentleman”. While it requires a daily walk, it mostly remains inactive while indoors.

#2: PUG

The humble Pug is a loyal and playful dog. Pugs are usually socially active and they welcome homes filled with human interactions. The Pug’s simple life is complete when it gets to enjoy his or her own bed and watch the day go by. It is the perfect flat furry buddy!

#3: CHIHUAHUA

Ideal for small homes, the Chihuahua requires minimal exercise. They are easily carried around due its weight of about 1 kilogram. This breed is perfect for people who travel a lot. As a friendly reminder, please train your Chihuahua to avoid the yappy personality they are known for.

Image Credits: pixabay.com

#4: DACHSHUND

Dachshunds have a positive disposition and are typically game for anything you throw at them. As family dogs they are loyal and good watchdogs. Its exercise consists of running around the house or leisurely walks outside. IF you work in a pet-friendly building or you work from home, your Dachshund will be content just sitting by your side as you focus on your tasks.

#5: GREYHOUND

With its built, you will not suspect that one of the fastest dogs can be such a coach potato! The Greyhound is an athletic dog that cannot wait for a warm cuddle in your lap. Its mellow personality combined with the minimum grooming necessities make it one of the most low-maintenance dogs in the large-sized dog groups.

#6: MALTESE

With its shining coat fitting of a royal, the Maltese is suited to live within a small apartment as they do not shed. What it needs is a home filled with love, attention, and care. It also enjoys playful sessions with its companion. Owners should administer a regular grooming routine, which may include brushing, combing, and shearing.

#7: CAVALIER KING CHARLES SPANIEL

The Cavalier King Charles Spaniels have the ability to adjust to its owners’ temperaments. Its flexibility makes it an ideal companion for kids and other pets. Brushing every week is necessary to make sure that their longer coats do not tangle.

Despite your busy schedule and hectic lifestyle, providing quality love and care for your canine is easier with the help of dog-centered apps and dog walking companies. Not to mention, there is a wealth of pet tips and tricks online. However, nothing beats a snuggle session between you and your furry friend after a long day at work!

Sources: 1 & 2

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