MONEY TALKS

Pets

148. Fido for free. Why would anyone pay a pet store for a furry friend when there are perfectly wonderful dogs and cats for free (or nearly free) at the Humane Society? Not only are you getting an inexpensive companion, you could be saving a life! But remember before you take one home that pets can be expensive. An average-sized dog can easily cost you $25 per month just in food alone.

149. Shop your pet food. Unless your dog and cat read or watch a lot of TV, they probably won't complain about getting generic food. Read the labels, and you'll find that name brand pet food often has the exact ingredients at twice the price! Buying in bulk could also be a good idea, and don't forget to try online shopping too. You might be able to save up to 50% at websites like Petsmart,Pet Quarters, Planet Pets or Petmarket.

150. Make your own pet toys. Pets are like babies. They're more likely to enjoy the box the toy came in than the toy itself. You've got plenty of interesting, entertaining and chewable items lying around the house already. You can grow catnip or find it cheap at herb stores.

151. Use free or discounted pet services. Odds are you're already paying taxes to subsidize some basic pet health services. Call your local Humane society or county facility and ask about discounted inoculations or other services.

Babies

152. Dump disposable diapers. Washing your own diapers can save you a couple of hundred dollars in a year and your landfill will be happier too!

153. Make your own baby food. There are plenty of free recipes online and in library books for food that is better than name brand because it won't have as much salt, sugar and preservatives. It's also infinitely cheaper.

154. Rent your baby clothes and supplies. Well, not actually rent perhaps, but practically. Buy your baby clothes, crib, stroller toys and other things at up to 75% off by shopping at consignment stores. When your baby outgrows them, consign them yourself and make part of your money back. You can even consign online: try Kinder Closet.

155. Keep abreast of the cost of formula. You can spend $1,500 a year on formula. Breastfeeding is free and according to many, healthier too.

156. Make your own bibs. Cut the back and sleeves from an old kids T-shirt or sweat-shirt and you're there. If you want to get fancy, stitch around the edges.