Costs and Preparation: Financial Guide to European Rescue Adoption

Every year, over one million pets are surrendered—many because their owners couldn't afford unexpected costs. This guide exists so that doesn't happen to you.

European rescue adoption costs £1,025-£1,210 (€1,200-€1,416) initially. That's less than half what breeders charge (£1,500-£4,000+). But the adoption fee is just the beginning. The real commitment is £10,000-£20,000 (€11,700-€23,400) over your dog's 12-15 year lifetime.

These numbers aren't meant to scare you. They're meant to prepare you.

Beyond the Adoption Fee

The adoption fee is the smallest part of what you'll spend. Add initial supplies (£198-483), monthly care (£76-194), annual vet visits (£700-2,000+), and emergency bills averaging £269 per visit before treatment even starts.

The good news: European rescue adoption costs less upfront while covering more. Organizations typically include neutering, vaccinations, microchip, passport, blood tests, Mediterranean disease testing, and transport to your door. A breeder puppy costs £1,500-4,000+ plus £500-1,000 in first-year vet work.

What you'll learn:

• Actual adoption costs for UK and Continental Europe
• A supplies checklist with budget and premium options
• Monthly and annual expenses by dog size
• Hidden costs that blindside first-time owners
• Lifetime projections over 10-15 years
• How to save £11,000-62,000 without compromising care
• Where to invest vs. where to save

What this guide won't do:

• Pressure you to adopt before you're ready
• Pretend dogs are cheap
• Suggest shortcuts that hurt your dog

Your rescue dog survived abandonment, abuse, or street life to reach you. Financial preparation is how you honor that second chance.

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Adoption Costs: What You'll Actually Pay

European Rescue to UK: £380-£750

European rescues charge £380-£750 (€446-€880) for adoption and transport to UK. The price difference comes down to what's included—and some organizations pack in significantly more value.

Fees vary by organization and by what each one includes. Check the current figure on the organization's own page before you budget.

What's typically included:

• Spay/neuter surgery
• Vaccinations (rabies, DHPP core vaccines)
• Microchip with EU registration
• EU Pet Passport
• Mediterranean disease testing (Leishmaniasis, Ehrlichiosis, Anaplasmosis)
• Veterinary health certificate
• TRACES/IPAFFS import documentation
• Road transport from source country to your UK address

European Rescue to Continental Europe

Germany, Austria, and Switzerland benefit from intra-EU movement simplification.

Typical Continental European adoption packages include:

• Neutering surgery
• Core vaccinations
• Microchip with EU database registration
• EU Pet Passport
• Health certificate
• Transport within EU
• Post-adoption support

Transport Methods and Additional Costs

Professional road transport dominates European rescue logistics:

• Spain to UK: £320-£500 (€375-€586), 2-3 days journey
• Romania to UK: £250 (€293)
• Bulgaria to UK: £200-£250 (€234-€293)

Services like Euro Pet Transport, The Pet Bus, and Super Pet Travel provide:

• Thermostatically controlled heating and air conditioning
• Secure cages with veterinary bedding
• Regular walk and play stops in secure areas
• Fresh water throughout journeys
• Two-person teams on longer trips

Flight transport costs significantly more at £900-£3,500 (€1,055-€4,103) for cargo, plus IATA-approved crate expenses of £75-£200+ depending on size. Most rescue organizations avoid air transport due to cost and stress.

Post-Brexit Documentation Costs

Planning holidays with your dog? UK residents now face extra paperwork. Each EU trip requires a fresh Animal Health Certificate from an Official Veterinarian.

Continental European residents use an EU Pet Passport instead.

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Initial Supplies: What You Actually Need

Before your dog arrives, you'll spend £198-£483 (€232-€565) on essentials. The good news? Most of this you only buy once.

Essential Supplies Checklist

Sleeping arrangements (£75-£260 / €88-€304):

• Dog bed: £20-100 (€23-€117) (size-appropriate, washable cover)
• Crate if desired for training: £40-120 (€47-€140)
• Bedding/blankets: £15-40 (€18-€47)

Feeding equipment (£40-£110 / €47-€129):

• Two stainless steel bowls: £5-25 (€6-€29) (veterinary-recommended for hygiene)
• Water bowl: £5-15 (€6-€18)
• Food storage container: £10-25 (€12-€29)
• Initial food supply matching current diet: £20-60 (€23-€70)

Walking and safety (£46-£125 / €54-€146):

• Collar: £8-25 (€9-€29)
• ID tag (required in Great Britain): £3-10 (€4-€12)
• Leash: £10-30 (€12-€35)
• Harness (recommended): £15-40 (€18-€47)
• Poop bags: £5-15 (€6-€18)
• Car restraint/crate: £25-100 (€29-€117)

Enrichment and toys (£33-£105 / €39-€123):

• Variety of chew toys: £10-30 (€12-€35)
• Interactive puzzle toys: £10-40 (€12-€47)
• Training treats: £5-15 (€6-€18)
• Kong or similar: £8-20 (€9-€23)

Grooming basics (£30-£82 / €35-€96):

• Breed-appropriate brush: £5-20 (€6-€23)
• Dog shampoo: £5-15 (€6-€18)
• Nail clippers: £5-15 (€6-€18)
• Toothbrush and paste: £5-12 (€6-€14)
• Enzymatic cleaner for accidents: £8-20 (€9-€23)

Optional but helpful:

• Baby gates for room separation: £20-50 (€23-€59) each

Premium vs. Budget: Where to Save and Where to Spend

Dogs don't recognize brands. A £5 stainless steel bowl works as well as an £80 designer ceramic one, and is easier to keep clean. Budget toys at £2-10 each provide the same enrichment as £50 premium versions.

Smart investments:

• Quality enzymatic cleaner (£15-20 / €18-€23)—regular cleaners can't eliminate urine odors dogs detect
• Proper car restraint (£25-100 / €29-€117)—prevents injuries in a crash or a hard stop
• Harness over collar (£15-40 / €18-€47)—reduces throat pressure, provides better control

Safe budget options:

• Basic dog beds (£20-50 / €23-€59) or old blankets work as well as £100-300 (€117-€351) designer beds
• Multiple cheap beds for different rooms cost less than single expensive beds, provide more flexibility
• Budget toy variety packs (£20-50 / €23-€59) let you discover preferences before investing in expensive specific types

Home Preparation and Dog-Proofing

Safety equipment (£40-£100 / €47-€117):

• Baby gates: £15-50 (€18-€59) each (2-3 typically needed)
• Cord management clips: £5-15 (€6-€18)
• Cabinet locks if needed: £10-25 (€12-€29)
• Outlet covers: £5-10 (€6-€12)

Garden fencing requirements:

• Minimum height: 3 feet (90cm) for small dogs
• Recommended: 5-6 feet (1.5-1.8m) for most dogs
• Required: 6-8 feet (1.8-2.4m) for large or athletic breeds
• Galgos need minimum 5-6 foot fences due to jumping ability

Toxic plant removal costs: Usually free if doing yourself, £50-200 (€59-€234) if hiring landscaper. Common UK toxic plants requiring removal include azaleas, lilies, tulips, daffodils, yew, and foxglove.

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Monthly Expenses: What to Expect After Day One

Once the excitement of adoption settles, you'll face consistent monthly costs. Here's what real owners spend.

UK Monthly Costs by Dog Size

Small dogs (<25 lbs): £76-£123 (€89-€144) monthly

• Food budget brands: £20-35 (€23-€41)
• Food mid-range: £35-55 (€41-€64)
• Insurance: £5-15 (€6-€18)
• Flea/tick/worm prevention: £6-8 (€7-€9)
• Grooming (if needed): £10-20 (€12-€23)

Medium dogs (25-60 lbs): £100-£180 (€117-€211) monthly

• Food budget brands: £30-50 (€35-€59)
• Food mid-range: £50-80 (€59-€94)
• Insurance: £11-20 (€13-€23)
• Flea/tick/worm prevention: £7-10 (€8-€12)
• Grooming (if needed): £20-40 (€23-€47)

Large dogs (>60 lbs): £150-£250 (€176-€293) monthly

• Food budget brands: £40-65 (€47-€76)
• Food mid-range: £70-110 (€82-€129)
• Insurance: £20-40 (€23-€47)
• Flea/tick/worm prevention: £8-12 (€9-€14)
• Grooming (if needed): £40-60 (€47-€70)

Food: Your Biggest Monthly Expense

Food is where many owners go wrong—in both directions.

Budget brands (Pedigree, Bakers) seem economical, but their fillers and lower-quality ingredients can cause health problems costing £500-5,000+ to treat. False economy.

Mid-range foods at £3-6 per kilogram (Costco Kirkland, James Wellbeloved, quality store brands) hit the sweet spot: proper nutrition without premium pricing. This is where most owners should land.

Ultra-premium foods (£8+ per kilogram) offer marginal benefits unless your dog has specific health needs. Save your money for emergencies instead.

Pet Insurance: The Hidden Price Increase

Insurance seems affordable when your dog is young. What catches owners off guard is how quickly premiums climb.

How premiums rise with age:

• Puppies: £5-12 (€6-€14) monthly
• Adults (2-7 years): £12 (€14) monthly average
• Seniors (8+ years): £15-35+ (€18-€41+) monthly
• Age 13+: £50-100 (€59-€117) monthly

Premiums typically double by age 7-9. One 10-year-old Beagle saw a 20% jump in a single year. Over your dog's lifetime, expect costs to rise five-fold—from £150-400 annually when young to £900-1,700 as a senior.

Breed-specific pricing:

• Small breeds (Chihuahuas): £3.95-12.88 (€5-€15) monthly
• Medium breeds (Labradors): £11-20 (€13-€23) monthly
• Large/giant breeds: £20-40 (€23-€47) monthly
• Breeds with known health issues (Bulldogs): £400+ (€468+) extra annually

Continental European Additional Requirements

Germany's mandatory expenses:

• Dog tax (Hundesteuer): an annual municipal levy, varying by city
• Liability insurance (Hundehaftpflicht): €2.50-15 (£2-£13) monthly, mandatory in many states
• Optional health insurance: €6.90-205 (£6-£175) monthly depending on breed and coverage level

Rates are set by each city, so check your own Stadt's Steueramt.

Austria requires:

• An annual dog levy, set by the municipality
• Liability insurance, with the minimum cover set by the Land

Switzerland mandates:

• An annual dog tax, set by the canton
• Liability insurance in cantons that require it
• Microchipping and AMICUS national database registration

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Annual Costs and Hidden Expenses

Beyond monthly bills, annual costs add up—and some catch owners completely off guard.

Routine Veterinary Care: £700-£2,000+ Annually

Even a healthy dog needs regular vet visits. Here's what to budget:

• Health check examinations: £70-174 (€82-€204) (seniors need exams every 6 months at £140-348 / €164-€407)
• Vaccination boosters: £47-76 (€55-€89) average (£200-700 / €234-€819 yearly with all vaccines)
• Flea/tick prevention: £100-200 (€117-€234) annually
• Heartworm prevention: £100-140 (€117-€164) annually
• Fecal exams: £25-50 (€29-€59)
• Dental cleaning: £149-500 (€174-€585) per procedure including anesthesia (average £233-235 / €273-€275)

Additional tooth extractions add £300-400 (€351-€468) per tooth.

German veterinary costs follow the GOT official fee schedule, which sets a base rate and allows multipliers above it.

Professional Grooming: £0-£1,080 Annually

Grooming needs vary dramatically by breed:

Short-coated breeds (Labradors, Galgos): £160-360 annually (4-6 sessions for basic maintenance)

Long-coated breeds (Poodles, Cockapoos): £400-1,080 annually (10-12 sessions at £40-90 per session)

UK national average: £43 per session

• London: £50-70
• Rural areas: £35-50

German groomers charge by hour at €64-75 hourly rates, resulting in €400-700 annually for breeds requiring regular grooming.

DIY grooming investment of £50-200 for quality clippers breaks even within 2-3 months, potentially saving £4,000-20,000 over a dog's lifetime.

Emergency Veterinary Care: The Cost Nobody Wants to Think About

A January 2025 UK survey found the average emergency consultation costs £269. That's just to walk through the door. Treatment comes on top.

What treatment actually costs:

Common emergency scenarios:

• Gastric obstruction surgery: £1,500-3,500 (€1,755-€4,095)
• Foreign body removal surgery: £500-1,500 (€585-€1,755)
• Fracture repairs: £800-2,500 (€936-€2,925)
• Cruciate ligament surgery: £800-2,500 (€936-€2,925)
• Toxin ingestion treatment: £200-500 (€234-€585) (mild) to £500-2,000+ (€585-€2,340+) (severe ICU cases)

Diagnostic procedures:

• Blood tests: £100+ (€117+)
• X-rays: £150-300 (€176-€351)
• Ultrasounds: £200-400 (€234-€468)
• MRIs: £1,500-2,500 (€1,755-€2,925)

Hospitalization: £100-300+ (€117-€351+) per night

Property Damage: The Cost Nobody Mentions

Here's what adoption websites don't show: 75% of pet owners experience property damage. Most spend up to £200 on repairs. But 5% of dog owners exceed £1,000—and the UK's collective annual repair bill from dogs alone is £348 million.

Common damage types:

• Soiled carpets and flooring (50% of owners): £50-150 (€59-€176) professional cleaning, £250-800 (€293-€936) single-room carpet replacement, £500-2,000 (€585-€2,340) hardwood refinishing for urine damage
• Chewed furniture (32% of households): £50-200 (€59-€234) cushion replacement, £300-1,500 (€351-€1,755) full sofa replacement, £100-400 (€117-€468) wooden furniture repair
• Electrical damage (10% of owners): £10-50 (€12-€59) per cable, £300-2,600 (€351-€3,042) damaged electronics (one owner reported £2,600 / €3,042 TV screen damage)
• Door and woodwork damage: £150-400 (€176-€468) door replacement, £100-300 (€117-€351) per room for skirting board replacement, £200-600 (€234-€702) per room for scratched floor refinishing

Trial-and-Error: The Learning Curve Tax

Every new dog owner wastes money figuring out what their dog actually likes. Budget £150-500 for inevitable mistakes:

• The bed your dog refuses to use (£25-80)—and the second one, and the third
• Toys that sit untouched (buy variety packs first at £20-50)
• Food brands rejected during transitions (£10-30 each)
• The crate that's too small (£30-100)

This isn't wasted money. It's the price of learning your specific dog's preferences.

Behavioral Training: Rescue Dogs Often Need Extra Help

Rescue dogs carry their past with them. Anxiety, reactivity, or fear-based behaviors are common—and worth addressing.

APBC certified behaviorists charge:

• Initial assessment (2 hours): £90-350 (typical £165-250)
• Follow-up sessions: £45-165 per hour
• Comprehensive packages: £495-850+ including action plan and vet liaison

Complex cases (anxiety, reactivity, aggression) often need 4-8+ sessions, totaling £500-2,000+. Some insurance covers vet-referred behavioral treatment, but many policies exclude behavioral issues entirely.

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Lifetime Costs: The Real Numbers

This is where pet ownership gets serious. A dog isn't a monthly expense—it's a 12-15 year financial commitment.

PDSA 2024 Estimates (Conservative)

The PDSA publishes widely-cited figures, but they're lowballs:

• Small dogs (7.1-14.2 year lifespan): £6,200-12,000 (€7,254-€14,040) lifetime
• Medium dogs (8.4-13.5 years): £9,000-14,000 (€10,530-€16,380) lifetime
• Large dogs (5.5-13.1 years): £8,200-18,800 (€9,594-€22,396) lifetime

These assume monthly costs of £69 (€81) (small), £83 (€97) (medium), £116 (€136) (large) multiplied by lifespan, plus initial setup of £415-560 (€486-€655).

What PDSA leaves out:

• Adoption fees
• Emergencies (the £3,000 surgery when your dog eats something toxic)
• Professional grooming
• Training classes
• Insurance premiums doubling as your dog ages
• Boarding when you travel
• Special diets for health conditions

What You'll Actually Spend

When you account for everything—emergencies, grooming, training, the works:

• Small dogs: £10,000-15,000 over 12-15 years
• Medium dogs: £12,000-20,000 over 12-15 years
• Large dogs: £15,000-30,000+ over 8-12 years

Large dogs cost more despite shorter lifespans. Everything scales up:

• Food: £400-800 annually vs £200-400 for small dogs
• Joint surgeries: Hip dysplasia costs £3,000-7,000, cruciate ligament repair £3,000-5,000
• Insurance: Premiums reflect higher health risks
• Boarding and grooming: Larger dog, larger bill

First-Year Comparison: Rescue vs. Breeder

European rescue to UK:

Expense	Cost
Adoption + transport	£425-610
Initial supplies	£415-560
First year care	£828-1,392
Total	£1,868-2,602

UK breeder puppy:

Expense	Cost
Purchase price	£1,500-4,000
Initial vet costs	£415-560
First year care	£828-1,392
Total	£2,883-6,152

The rescue option saves £1,735-4,310 in year one alone—money that could fund years of preventative care or build an emergency fund. And you're giving a homeless dog a second chance.

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How to Save £11,000-62,000 Over Your Dog's Lifetime

These aren't cutting corners—they're smart strategies that preserve (or improve) your dog's welfare while keeping more money in your pocket.

DIY Grooming: Save £4,000-20,000

The single biggest money-saver for many owners. Initial investment: £50-200.

• Professional-quality Andis clippers: £60-199 (€70-€233)
• Small detail clippers: £25 (€29)
• Brushes and combs: £20-40 (€23-€47)
• Nail clippers: £10-25 (€12-€29)
• Quality shampoo: £10-30 (€12-€35)
• Blade coolant: £8 (€9)

Professional grooming costs: £360-1,800 (€421-€2,106) annually depending on breed

Break-even: 2-3 months, saving £4,000-20,000 (€4,680-€23,400) over lifetime

Best candidates: Breeds with continuously growing hair (Poodles, Cocker Spaniels, Shih Tzus, Schnauzers, Cockapoos) requiring trimming every 4-8 weeks.

Not suitable for: Short-growth-hair breeds like Labradors (should never be shaved), severely matted coats on first attempt, anxious or aggressive dogs.

Free and Low-Cost Training: Save £500-2,000+

You don't need a £200/hour trainer for basic obedience. Professional-quality instruction is free online.

Free YouTube channels:

• Zak George's Dog Training Revolution
• Kikopup (particularly good for fearful/reactive dogs)
• Simpawtico
• Robert Cabral's extensive library

Free books: Dr. Ian Dunbar's guides are available for download

Paid online courses (£20-150 one-time) teach the same skills as £150-600 group classes or £50-200/hour private sessions.

Reserve professional trainers for complex behavioral issues where expert guidance matters most.

Bulk Buying and Subscribe & Save

15-25% savings on food and supplies:

• Costco UK membership: £33.60 (€39) annually, delivers 20-30% below retail on Kirkland dog food
• Amazon UK Subscribe & Save: 5% discounts with free shipping for Prime members
• Chewy UK: 35% off first auto-ship, 5% off subsequent deliveries

Suitable for: Dry dog food (check expiration dates), training treats (freeze if necessary), poo bags, dental chews, flea/tick treatments during sales.

Annual savings: £50-150 (€59-€176), lifetime £600-2,000 (€702-€2,340)

Generic Medications and Online Pharmacies

30-50% savings versus clinic prices. Prescription flea, tick, and worming treatments purchased from Pet Drugs Online or VetUK cost significantly less than veterinary clinic dispensing of identical products.

Always verify VMD (Veterinary Medicines Directorate) logo for legitimate online pharmacies.

Annual savings: £50-150 (€59-€176), lifetime £600-1,800 (€702-€2,106)

Preventative Care: The Best Investment You'll Make

This is counterintuitive: spending £235-589 annually on prevention saves £3,000-30,000 over your dog's lifetime.

Prevention costs:

• Annual exams: £70-174
• Vaccination boosters: £35
• Home dental care: £10-20
• Flea/tick/worm prevention: £120-360

What you're avoiding:

• Parvovirus treatment: £1,000-3,000
• Heartworm treatment: £400-1,000
• Dental disease surgery: £300-1,000+
• Tick-borne disease treatment: £500-2,000
• Flea infestation home treatment: £100-500

Prevention costs 3-10x less than treatment. This isn't optional—it's the highest-ROI spending in dog ownership.

Lifetime savings: £3,000-30,000 (€3,510-€35,100) through avoided illness

Optimal Combined Strategy

First year savings: £2,215-6,260 (€2,592-€7,324)

• Local rescue versus breeder: £1,735-4,310 (€2,030-€5,043)
• DIY grooming: £180-900 (€211-€1,053)
• Free online training: £150-600 (€176-€702)
• DIY toys: £50-150 (€59-€176)
• Bulk buying: £50-150 (€59-€176)
• Generic medications: £50-150 (€59-€176)

Lifetime savings: £11,035-62,110 (€12,911-€72,669)

• Adoption choice: £1,735-4,310 (€2,030-€5,043) (one-time)
• DIY grooming: £4,000-20,000 (€4,680-€23,400)
• Training resources: £500-2,000 (€585-€2,340)
• DIY toys: £600-2,000 (€702-€2,340)
• Bulk buying: £600-2,000 (€702-€2,340)
• Generic medications: £600-1,800 (€702-€2,106)
• Preventative care avoiding illness: £3,000-30,000 (€3,510-€35,100)

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What to Invest In vs. What to Skip

Never Cut Corners Here

Quality food (mid-range at £3-6/kg): Cheap food causes expensive problems. Good nutrition affects everything—longevity, coat, energy, immune function.

Preventative healthcare (£235-589 annually): Vaccinations, flea/tick/worm prevention, annual exams. This annual investment prevents diseases that cost thousands to treat.

Spaying or neutering (£100-430): One-time cost that prevents cancers and eliminates pyometra risk (a £1,000-2,500 emergency if it happens).

Proper identification: Microchipping (£15-25) plus collar ID tag (£5-15). Consider QR smart tags (£15-30) that let you update contact info without replacing the tag.

In Great Britain both are legal requirements. A dog in a highway or public place must wear a collar showing the owner's name and address (Control of Dogs Order 1992). Dogs over eight weeks old must be microchipped and registered on an approved database (England, Scotland, Wales). Germany, Austria and Switzerland set their own rules. Check your local authority.

Safe transportation (£20-100): Use a car restraint or crate. It stops your dog becoming a projectile in an accident.

Financial safety net: Either pet insurance (£150-500 annually for young dogs) or disciplined savings toward a £1,000-3,000 emergency fund. When a £3,000 surgery happens, you need to say yes without hesitation.

Budget Options Perfectly Adequate

Toys, bedding, bowls, accessories: Budget toys at £2-10 (€2-€12) or DIY free options provide equivalent enrichment to £20-50 (€23-€59) premium toys. Basic beds at £20-50 (€23-€59) serve sleeping needs as well as £100-300 (€117-€351) designer beds. Stainless steel bowls at £5-15 (€6-€18) function identically to £30-80 (€35-€94) ceramic designer bowls.

Skip These (Your Dog Won't Know the Difference)

Designer accessories: A £100 collar does the same job as a £15 one. Fancy leads, branded clothing, matching sets—they're for you, not your dog. Lifetime waste: £500-2,000.

Premium beds: Your dog will sleep just as well on a £30 bed as a £300 orthopedic designer model (unless your vet specifically recommends joint support).

Non-essential supplements: Unless your vet prescribes them, you're wasting £100-500 annually on unproven products.

Smart Compromises

Mid-range food quality: £3-6 (€4-€7) per kilogram provides excellent nutrition without ultra-premium £8+ (€9+) pricing offering marginal benefits

Higher insurance excess: £150-250 (€176-€293) versus £50-100 (€59-€117) excess lowers monthly premiums for those able to cover initial treatment costs

DIY basic grooming maintenance: Between professional visits for complex cuts reduces annual costs from £800-1,800 (€936-€2,106) to £400-600 (€468-€702)

Low-cost clinics for routine care: Saves 30-50% on vaccinations and health checks versus full-service clinics, reserving regular veterinarians for complex issues

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The Bottom Line

A rescue dog costs £10,000-20,000 over 12-15 years. That's £83-116 monthly. If those numbers feel manageable, you're ready to take the next step.

Smart strategies save £11,000-62,000 lifetime:

Strategy	Lifetime Savings
Rescue vs. breeder	£1,735-4,310
DIY grooming	£4,000-20,000
Free training resources	£500-2,000
DIY enrichment	£600-2,000
Bulk buying	£600-2,000
Generic medications	£600-1,800
Preventative care	£3,000-30,000

Where to spend: Quality food, preventative healthcare, identification, safe transport, emergency funds.

Where to save: Toys, beds, bowls, accessories, grooming (if you learn).

European rescue organizations provide vetted, vaccinated, microchipped dogs with behavioral assessments and ongoing support. You're not just saving money compared to breeders—you're giving a second chance to a dog who needs one.

Ready for the next step?

• First-Time Owner Guide — Assess your readiness
• European Rescue Guide — Understand the import process
• Use these numbers to build your 15-year budget
• Browse dogs when you're financially prepared