After nine years helping students manage tight budgets, I know pets bring joy...

https://www.4shared.com/office/ECJXVA1aku/pdf-40181-50873.html

After nine years helping students manage tight budgets, I know pets bring joy but also hidden costs. Before you get that kitten, read my breakdown of what it really takes to cover food, insurance, and that £269 out-of-hours vet fee