One area that often sparks debates in the financial arena is pet insurance.  Is it a necessary investment, or can you afford to self-insure?  When I got my dog, Penny, I was torn on whether pet insurance would be right for us.  Penny is my first dog and we got her when she was just 8 weeks old. I quickly found out how much of a financial commitment she was going to be once we brought her to our vet for the first time.  Shots, exams, spay… It was adding up quickly. 

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