Post Tribune (Sunday)

Do this before buying or adopting a puppy

Consider your budget, lifestyle and sniff out scams

- By Courtney Jespersen NerdWallet

Puppies provide us with comfort, happiness and love.

But bringing a fourlegged friend into your daily life is quite an investment — a pup requires a considerab­le amount of your time, money and attention.

Here’s what to know and do before bringing Fido home.

Dig into your budget, lifestyle

Ensure that you’re ready for a puppy and everything that goes along with one.

Your new family member will need to fit into your home and budget, points out Kristen Levine, founder of the Pet Living blog.

To get in the right mindset, ask yourself questions — and be honest with your answers. Levine, who is based in Tampa, Florida, recommends these: Do you really have time for a puppy? Will your family’s lifestyle accommodat­e a puppy? Can you afford to feed, train and care for a puppy? And are you ready for a 12- to 15-year obligation (the potential life span of the dog)?

“Puppies are fun and adorable,” Levine says. “But they’re a puppy only for about a year. Then you have an animal that you are responsibl­e for and that is completely dependent on you for everything it needs.”

Aside from the upfront cost of getting the puppy home and other one-time expenses, anticipate paying about $150 in average monthly expenses, according to a 2018 analysis by

Rover.com. That includes food, toys, flea and tick prevention, dental chews and more.

Find a puppy that needs love

If you still feel like you’re ready for a dog, visit your local shelters and rescue groups so you can consider adoption first before you shop.

Through an adoption, Levine says you’re saving the life of an animal that was at some point unwanted. You’re also freeing up space for another animal to be rescued.

If you’re not ready to decide, some shelters offer foster programs. In this arrangemen­t, you can take on the responsibi­lity of temporaril­y caring for an animal until it has a permanent home.

“Oftentimes you fall in love with the animal you’re fostering and you end up keeping it, but you’re not making a commitment to keep it just because you want to foster,” Levine says.

Sniff out tricks

Buying a puppy is usually more expensive than adopting (which often comes with a minimal fee), so research breeders thoroughly before making a purchase or putting down a nonrefunda­ble deposit to reserve your spot in a future litter. You can look up breeders online or rely on word of mouth.

Ask potential breeders what they’ll provide you with so you can set expectatio­ns and get clear informatio­n.

Reputable breeders like to show off their puppies, so they’ll likely send pictures, take videos, talk to you on the phone and encourage you to visit in person, according to

Brandi Hunter, vice president of public relations and communicat­ions at the American Kennel Club.

Whether you’re buying a purebred Yorkshire Terrier or a hybrid Goldendood­le, watch out for scams.

You could stand to lose hundreds or even $1,000 in a puppy scam, depending on the price of the dog, according to Lori Wilson, president and CEO for the Better Business Bureau serving the San Francisco Bay Area and northern coastal California.

To avoid being scammed, Wilson recommends doing a web search on any pictures the breeder sends you of the supposed puppy to ensure they’re not fake stock photos.

Perhaps most importantl­y, the experts say not to hand over money too soon.

“You want to see (the puppy) first,” Hunter says. “You want to know it exists. You don’t want to be taken for a ride.”

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