Budget Pet Products – Buy Pet Supplies Without Breaking The Bank

Get the supplies you need for your pet without breaking the bank. Budget pet products could be for you. From beds to bowls and everything in between, check out Monzi’s quick and easy guide today. We’ll explore and explain all that you need to know to ensure your pet is happy and cared for. Read on to learn more now.

How much does it cost to own a pet?

Pets have an uncanny ability to make you feel happier and more fulfilled. However, these benefits come at a cost. While having a dog or cat is wonderful, by the time you pay for food, grooming, bedding and a range of other expenses, your budget can be left looking a little worse for wear.

With this, estimates suggest that your first year owning a dog can set you back anywhere from $2,000 to $6,000. Moreover, the figures will be similar for cat owners too. As a result, before you begin the adoption process and pick out your new best friend, you’ll need to take some time to consider your financial situation. Otherwise, you could run into troubles down the line.

Budget pet products to the rescue

Given the considerable costs that can come with pet ownership, you may be looking to save money wherever you can. That’s where budget pet products may be able to help you.

In short, budget pet products refer to items such as blankets, bedding, collars, food and toys that you may be able to get for a lower price. As a result, you can save money to reduce the considerable costs associated with owning a pet. In most cases, the easiest way to score a bargain will be to shop around. By comparing your options, you may be able to score a great price on the product you need.

While that outlines what budget pet products are, you must know how to find them. Read on as Monzi explores how you may score a bargain and what you might need to consider before you adopt a pet. Let’s go.

What budget pet products will I need if I own a dog?

So, you’re adopting a dog. After weeks of looking, you finally find the perfect puppy. Maybe he’s a border collie or perhaps he’s a dalmatian. Realistically, it doesn’t matter. All dogs will require similar products to live happily and comfortably. As a result, before you bring your new friend home, ensure you have purchased the following:


Your dog needs somewhere comfortable to sleep and lie down. Aim to find a bed that is both warm and soft but also large enough for them to stretch out. While you may find that your dog naps anywhere, there’s no doubt that a comfy bed will be the preferred location. In addition to this, maybe purchase some fluffy blanks too if you’re in a colder climate.


Your dog usually needs two bowls. Firstly, they will need a water bowl. Aim to find one large enough that you won’t need to refill all the time. With this, keep it out of the sun to ensure it remains cool and drinkable. Next, they will need a food bowl too. Mealtime is usually your dog’s favourite time of day, so ensure they have a clean bowl with plenty of space for all their delicious treats.

Collars, leads and harnesses

Most dogs need regular exercise to keep them fit and healthy. However, if you and your dog are going to explore the big wide world, then you must have a lead or harness to ensure they don’t run off or create trouble with other dogs. In addition to this, your dog will typically need a collar too. Find a collar you love and attach your dog’s registration tags to it. Moreover, consider adding your contact details as well, just in case your dog escapes.


Having a range of toys for your dog can help cure boredom and even provide comfort when they’re alone. As a guide, toys can range from something as simple as a piece of rope through to teddy bears or squeaky, plastic animals. In most cases, try to give your dog a few different options. That way, they can select what they prefer.

Grooming supplies

There’s nothing worse than a smelly dog. As a result, you’ll need to have a few grooming supplies on-hand at all times, just in case your dog needs a wash. While shampoo is an obvious one, you may need nail clippers and a brush too. Different dog breeds will need different levels of care and grooming. Ensure you can provide what your dog needs.


Dogs are often a target for ticks, fleas and worms. Luckily, these threats can largely be treated and neutralised via medication that you can buy from your local pet shop or supermarket. However, these costs will be on-going, given that most medications must be administered monthly. In addition to this, your dog may need annual vaccinations to protect it from certain illnesses and diseases. If you are unsure, contact your local vet.

What budget pet products do I need for a cat?

Just like with a dog, if you adopt a cat, then there are a range of products you will need to buy. Given that the costs can add quickly, you’ll likely be looking for budget cat products. To get you started, see below for our checklist of products you may need to keep your new cat happy.

  • Kitty litter and a litter box
  • Crate or carrier for transport
  • Food and water bowls
  • Toys
  • Scratching post
  • Collar

Keep in mind that you may need to purchase additional products not listed above. This is simply a quick list of the common items cat-owners will buy before bringing their new pet home.

What other pets could I get?

If you don’t like cats or dogs but still want a pet, that’s OK. There are plenty of other options for you. As a guide, some examples include:

  • Rats
  • Guinea pigs
  • Snakes
  • Lizards
  • Fish
  • Birds
  • Rabbits (note that they aren’t legal in every state)
  • Hermit crabs
  • Turtles
  • Stick insects

In addition to this, some of these pets may be perfect if you have limited space or don’t want to spend a ton of money. Do your research to decide which one could be right for you.

What budget pet products will I need for a reptile?

If you don’t quite have space for a dog or cat, then a reptile could be a handy alternative. Whether you’re looking to start small with a lizard or want something more extreme like a snake, you will need some supplies before bringing your cold-blooded friend home. See below for Monzi’s quick list of some of the necessary budget pet products for reptiles:

  • A tank
  • Food (e.g. insects)
  • Basking lamps or other heating solutions.
  • Lights
  • Climbing branches, rocks and other floor coverings.
  • Water

Note that you may need to obtain a licence to keep some reptiles as a pet. Contact the relevant government department in your local area to determine if this is necessary.

What is the cheapest pet to own?

There are several low-maintenance pets that can provide you with companionship while not putting a strain on your budget. While they may not be as loving or interactive as dogs and cats, pets such as hermit crabs or fish may be the option you’re looking for.

With this, aim to find a pet that doesn’t need much up-keep. For instance, certain fish will need a filter in their tank, while others may not. That’s why Siamese Fighting Fish are so popular. Just feed them, wash their tank out regularly and you should have a fun little friend that will swim around all day. As a result, it may be perfect for your desk or kitchen bench.

Can I get budget pet products online?


Online shopping in the 21st century really is a lifesaver. So, if you’re busy with work or simply don’t have the time to go out and buy what you need, then you can potentially purchase budget pet products online. Best of all, there should be plenty of choice too, so shop around to find the best deal.

With this, do your research. If you’re looking for a certain type of toy or food, aim to find a number of different retailers who offer this product. Then compare the price and take into account any shipping costs. If you do this successfully, then you may be able to save money while still buying the budget pet products you need.

Are there any Aussie budget pet products?


It’s always good to support local business and buy Australian-made products. As a result, when you’re assembling your pet product shopping list and doing your research, keep an eye out for locally-made and sourced products. This could be food, toys, bedding or even leads and jackets.

However, keep in mind that this is just one consideration. If you need budget pet products, then you may just be looking for the lowest price and that’s OK. At the end of the day, most products will be similar whether they are Australian-made or not.

Budget pet products: do I need pet insurance?

If you’ve ever owned a pet, then you may be familiar with the fact that vet bills can be extremely expensive. With this, even a minor procedure can set you back hundreds of dollars. That’s where pet insurance can come in handy.

Just like insuring your health or insuring your home, pet insurance may help you cover the cost of eligible vet bills. With this, you’ll need to pay an annual or monthly premium. From there, if something goes wrong, you can submit a claim and, if approved, your insurer will pay out. Just keep in mind that you may need to cover the insurance excess.

So, to answer the initial question, while pet insurance isn’t mandatory and you don’t absolutely need it, it’s always nice to have in case of an emergency. After all, if your dog is bitten by a snake or needs urgent surgery, you may face costs that run into the thousands. That’s enough to put a strain on any budget. As a result, taking out a pet insurance policy as a safety net may be wise.

How much does pet insurance cost?

As we’ve mentioned, you must pay a premium for your pet insurance. This is the case with almost every insurance product on the market. In most cases, it will take the form of an annual or monthly payment and may be affected by a range of factors. However, as a guide, costs may range from $20 to $60 a month.

Ultimately, your premiums are tied to your risk. As a result, it may vary based on the type of pet you have (e.g. dog or cat), your pet’s age, it’s breed, your location and the level of cover you select. Given this, before taking out a policy, it’s usually smart to contact an insurer to request a quote. From there, you can get an idea of how much your premiums may cost.

Finally, keep in mind that insurance policies may come with an excess. In short, this is the amount that you must pay out of pocket if you make a claim. As a guide, if you select a higher excess, then your premiums may be lower, given that your insurer won’t pay out as much if you make a claim. On the other hand, a lower excess may result in higher premiums. So, consider your financial situation to determine what policy may be right for you.

Cat and dog waiting for budget pet products australia

How do I pick the right pet?

Some of us are staunch dog people, others love cats. However, if you’re not sure which pet is right for you, that’s OK. Keeping cats, dogs, fish, birds or other animals as pets all come with pros and cons. As a result, you’ll have to consider what you’re looking for and what you can afford to decide which animal might be the best pet for you.

To help guide your decision, aim to ask yourself the following questions:

  • How much space do you have (e.g. a backyard for a dog)?
  • If you are renting, what pets are you allowed as part of your rental agreement?
  • What are you looking for in a pet?
  • Do you want an active pet or one that is low-maintenance?
  • Do you, or the people you live with, have any allergies?
  • How much money do you have to spend on a pet?
  • Do you have kids and what do they want?

By answering these questions, you can begin to decide which pet is right for you. While many of us have dogs and cats, if that’s not what you’re after, then that’s OK. A fish or guinea pig may be what you’re looking for. Adopting a pet is a significant commitment, so you want to ensure that you find the right one.

How can I save money and get budget pet products?

Want to know our favourite tip? Compare your options!

When you purchase a new pair of shoes, you always look at multiple shops to find the best price. When you need a loan, you compare your personal loan options to find the lowest rates or fewest fees. So, when you’re looking to save money on pet products, the process shouldn’t be any different.

Do your research online to find a range of stores in your area. Check out the products you’re looking for and make a list of the prices. From there, it should be easier to compare your options and find the store that offers the best deal. As a result, you can potentially save money while purchasing the pet supplies you need.

That said, remember that price shouldn’t always be a deciding factor. For instance, if you’re looking to buy new toys, then you may pay a little bit more for a high-quality one that may be more durable. Similarly, while cheap dog food may be available, you may buy something more expensive if it provides greater nutritional value.

What are some of the hidden costs of owning a pet?

While we’ve covered some of the obvious costs and how you may purchase budget pet supplies, there are a range of hidden costs you may need to account for too. Examples of this include:

  • Pet sitting or boarding: if you go on a holiday, you can’t just leave your pet home alone. Instead, you must find someone to feed and care for it. As a result, you will need to pay for a sitter or boarding at a kennel.
  • Training: if you’ve got a dog, then you want it to be obedient. While you could train it yourself, often, you may need to take professional classes.
  • Grooming: nobody wants a stinky pet. As a result, you may need to pay for regular washes and grooming. In some cases, your pet may need its fur trimmed just like you and I need a haircut.

Keep in mind that there may be other hidden costs that aren’t mentioned above. Ultimately, though, the key point to take away is that pets may be expensive. As a result, you must not rush into adoption without first considering your financial situation.

Can I make my own budget pet products?


Sometimes the best way to do things is to do them yourself. As a result, if you’re looking to save money or can’t be bothered to head to your local pet store, then you may be able to make a range of pet products for your dog or cat.

While it may be tough to make your own dog bed or collar, there are many quick and easy dog toys that you can make with material around your home. Look online and you should find many tutorials that can guide you through step-by-step. Moreover, you can also potentially bake your own treats that your dog will love.

That said, making your own products takes time and effort. If you’re after a more convenient solution, buying budget pet products online or from your local pet store is usually easier.

Is owning a pet good for you?


While results may vary based on the pet that you have, it is fairly well-established that owning a pet (e.g. a cat or dog) will be good for you.

If you own a dog, then you are significantly more likely than non-pet owners to complete your recommended daily exercise. After all, if you’ve ever had a dog, you know how hard it is to say no to a walk.

In addition to this, dogs and cats provide you with a companion and can help ward off loneliness. As a result, they may be good for your mental health. There’s no better feeling than coming home to an excited dog with a wagging tail.

Finally, owning a pet may make you more social. If you’ve got a dog, then you are more likely to connect with other dog owners. Not only does this make conversation easier, but if you’re always at the dog park, then you may make some new friends too.

That said, keep in mind in mind that owning a pet isn’t a magic elixir that will cure all your health concerns. Instead, it may simply provide you with a few key benefits.

How much should I save before getting my first pet?

As a basic rule of thumb, you should aim to save at least the cost of three months worth of expenses before you adopt your new pet. With this, consider registration fees and all the budget pet products that you may need to purchase to help your fluffy friend settle in. By some estimates, the first year of owning a pet may cost you as much as $6,000.

Given this, before you start looking for a cute little puppy or kitten, it may be wise to make a budget. One easy way to do this could be to use Moneysmart’s free online budget planner. Check it out today. It may help you categorise your expenses so you know exactly where your money is going each month.

At the end of the day, owning a pet is a significant commitment. As a result, you must make sure that you can afford it. Otherwise, you may run into issues down the line as expenses begin to add up.

Budget pet supplies and Monzi

Now that we’ve outlined how you may be able to purchase budget pet supplies, it’s up to you to get out there and do it. Find toys that your dog will love today and don’t break the bank. Nothing puts a bigger smile on your face than seeing your pet carrying around a toy they love.

However, keep in mind that Monzi cannot help you purchase these products. That’s because we’re not a pet store. Instead, we’re an online Aussie lender-finder. So, if you need instant cash, then you’re welcome to apply.

At Monzi, we work with lenders who may offer cash loans today from $300 to $10,000. Apply and we’ll do our best to match you with an available credit provider from our extensive network. As a result, you may avoid the stress and hassle of having to do it yourself.

Apply today. Monzi is 100% online, meaning you can access our website at any time. Moreover, with easy applications and fast outcomes, you won’t raise a sweat. We’re ready and waiting to hear from you now.

Can I get a cash loan to cover vet bills?


You may use fast cash loans to cover many different personal expenses. With this, one option may be urgent vet bills. That way, if you don’t have pet insurance, your four-legged friend may still be able to get the treatment and care they need.

With loans for vet bills, you can borrow money to pay the upfront costs today. From there, your lender will divide your costs into a series of even repayments, spread out over terms ranging from 12 to 24 months. As a result, it may be a more manageable option if you don’t have the necessary cash-on-hand today.

So, whether your dog has suffered a nasty cut or your cat needs a check-up, Monzi may be able to help you access the cash you need now. Apply today.

Should I take out a personal loan?

That’s a question that you must answer yourself. At Monzi, we are lender-finders. As a result, we cannot provide financial advice. Instead, you must consider your current financial situation to determine whether or not a quick cash loan may be right for you.

To get the ball rolling, aim to ask yourself the following questions:

  • How much do I earn?
  • What are my current, regular expenses?
  • Do I currently have any other outstanding debts?
  • How much will a loan cost me?
  • What other options do I have?
  • How much do I need to borrow?
  • What repayment amount could I afford?
  • Is there any way that I can cut costs to reduce my loan amount?

Finally, remember that cash loans can be expensive, given that lenders charge interest and fees. As a result, think about any possible consequences or issues before applying.

Contact us

Do you have any questions about what Monzi’s lender-finder service could do for you? Get in touch. We love hearing from you. Send through your queries or concerns to hello@monzi.com.au and we’ll do our best to reply ASAP. Ultimately, we want to ensure that you are comfortable and confident before you apply.

That said, keep in mind that lender-finding is where our expertise lies. As a result, we can only answer questions regarding our organisation and service. If you have any questions regarding budget pet products or which pet is the best, then you may need to look elsewhere. Do your research and you should find plenty of online resources dedicated to helping you.

Apply with Monzi today

Got urgent vet bills to pay? Maybe you need a quick loan to get your car back on the road. Whatever your reason, Monzi might make it easy for you. Apply today and we could match you with a lender in just one hour. Borrow cash amounts from $300 to $10,000 now and divide your costs over the coming months and years.

Hit “Apply Now” or scroll up to Monzi’s loan slider to begin your application. Alternatively, check out our FAQs or Costs page for more details.

Finally, if you want more Monzi, you can follow us Facebook, Instagram, Twitter and Pinterest. We’d love to be friends. Keep up-to-date with the latest from your favourite Aussie lender-finders.

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Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. The minimum and maximum loan term is 12 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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48% Annual Percentage Rate (APR)

67.41% Comparison Rate p.a.


Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principal Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

The Annual Percentage Rate (APR) for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

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21.24% Annual Percentage Rate (APR)

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Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principal Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

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