Research can reveal great deals online or in stores. →Keep up with preventive veterinary care to keep your pet healthy and avoid costly problems. Let your vet know that finances are tight and ask that he or she prescribe only the most vital vaccinations or treatments. Discuss payment plan options before your appointment. →Contact your local animal shelter and ask about free or low-cost vaccines, spay/neuter surgeries and other services. →Keep your pets safe inside or on a leash while walking outside. Animals allowed to roam freely are more prone to accidents which result in costly veterinary bills. →If you can’t afford pet food, check with your local food banks; many are providing pet food.