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Laura Rowley Money & Happiness

Laura Rowley, Money & Happiness

A Not So Shaggy Dog Story

by Laura Rowley

Excellent (367 Ratings)
4.144412/5
Posted on Thursday, November 1, 2007, 12:00AM

I made a shocking discovery in the last few weeks: I'm a dog person.

But this isn't a column about whether it makes financial sense to invest in a pet. It's more about when it makes sense to forget about money altogether, and embrace the simple pleasures you thought you had to put aside when you became an adult.

Some Pet Memories

I was raised in a home with 10 brothers and sisters, several with severe allergies. Understandably, pets were limited to miniature turtles (before they were found to carry salmonella) and goldfish (usually won at a school fair by tossing a ping-pong ball into their bowl).

The goldfish rarely lasted long. We'd always get one carnivore in the batch who'd eat the others; or they'd gorge themselves to death after we all took turns shaking flaky food into the tank; or they'd commit suicide, shooting straight out of the water and swan-diving over the edge, driven to madness by the cacophony of children banging on the glass, or traumatized by the green plastic army men that periodically appeared in their tank, rifles at the ready.

The turtles didn't fare any better. Saddled with sitcom names like Laverne and Shirley, they'd topple off the little plastic island (with its little plastic palm tree) in the center of their bowl and onto their backs, and suffocate in the night. My brother took one for a walk in the kitchen while my mother was unloading groceries. It met its demise when a Campbell's tomato soup can slipped from her grasp; the result was like some sort of Warholian performance art gone horribly awry. Another was taken for a stroll in the backyard and never seen again.

My mother would occasionally let us to borrow the eyedropper from the medicine cabinet to feed abandoned kittens we'd find in the prairie behind the house. (Although I lived just a block from the Chicago city border, vacant lots overgrown with native flora and fauna were called prairies in those days.) We'd bundle the rescued felines in towels and play with them for a few hours before my mother called the ASPCA, assuring us that they'd be placed in a good home. I suspect many of them ended up in a heavenly home.

A Dog Lover Is Born

As I got older, I simply adopted my parents' views by osmosis: Dogs were messy; they shed; they might bite; they had to be walked at ungodly hours of the morning and night, in the snow and rain; you had to pick up after them; they were too much responsibility; they never grow up; and, perhaps most important -- at least to a personal finance columnist -- they cost too much. Veterinarians, kennels, food, leashes, silly little winter sweaters, toys. Why would you ever get a dog?

Then I had three children of my own, all consummate animal lovers; I figured they got that gene from their father, who bought a golden retriever with his newspaper-route money at age 11. When my oldest was 5, I promised she could have a dog when she was 11, assuming this pledge would be forgotten and float away in the parental-promise ether. Instead, every year on her birthday she would proclaim, "I'm one year closer to getting my dog!"

Still, I didn't relent. Instead, I let the kids surf dog web sites, and we became dog voyeurs, going to the local dog park to play with other people's pets. I thought this would satisfy their dog craving. Instead, it intensified their desire, and my own stony prejudices against dogs began to crumble.

Chance Encounter

One day at the dog park -- 6 months before my daughter's 11th birthday -- I began chatting with a woman named Katie, who had an adorable Toto-like dog named Fredo. I asked her if she'd always been a dog person. No, Katie answered, she never had a dog as a kid, but once she got Fredo, it changed her whole outlook. I said I could never deal with a puppy. She suggested I go to the pound and get a one-year-old dog. I replied that my kids were obsessed with a particular breed of dog, the cavalier King Charles spaniel.

That's so weird, she said. My cousin has a one-year-old cavalier King Charles spaniel. She's thinking about selling it, because she just opened a business and the dog is alone all day.

I gave Katie my card, and two weeks later I was driving home with Sammy and all her stuff -- crate, leashes, bedding, toys, and a month's supply of food. Katie's cousin had bought Sammy from a breeder in Ireland (which really sealed the deal, since my heritage is all Irish). Sammy had her shots, was neutered, and had been meticulously trained -- her owner even gave me a bell for the back door, which Sammy jumps up and rings when she needs to use the facilities.

And yes, she was expensive. I am rarely spontaneous about money -- especially a purchase that requires ongoing maintenance -- but found myself enthusiastically writing a rather large check for a purebred dog (although it was less than half of her original cost).

Money's No Object

The Internet is rife with absurd calculations on the expense of owning a dog over its lifetime -- I found estimates ranging from $5,000 to $49,000. But it's kind of like looking at those government figures on the cost of raising a child. Once you hold the real deal in your arms, you never think about the experience in those terms.

We're crazy about Sammy; she's changed the dynamics of our family. The kids bound out of bed and down the stairs in the morning to see her, instead of grumbling and diving under their covers. They're kinder to each other. Everyone seems to laugh more (especially when Sammy the exterminator chases and devours a low-flying moth). Although the house is more crowded, it's somehow more peaceful. And Sammy is excellent company, sitting on the green chair in my home office, always game for a stress-relieving walk.

I eventually realized that the kids had gotten that animal-loving gene from me. I was shocked to rediscover my inner pet-person, the one who had forgotten her love of goldfish and turtles and the heartbreaking cry of abandoned kittens.

Sammy will make a dent in our budget for years to come, but I don't care. In this case, I found that money can buy you love -- at least puppy love.

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119 Comments

Showing comments 6-35 of 119<< PreviousNext >>
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  • Patricia - Thursday, November 8, 2007, 7:13PM ET  Report Abuse

    • Overall: 5/5

    I can't imagine life without a dog. They love you no matter what kind of day you've had. That's important in today's life styles.

  • PatriciaC - Thursday, November 8, 2007, 12:50PM ET  Report Abuse

    • Overall: 5/5

    Dogs are wonderful and I'm glad you finally caved in and made your children's dreams come true. Yes they're messy but they bring such joy!!! I love the part about how you laugh more, it's so true.

  • TomH - Thursday, November 8, 2007, 9:42AM ET  Report Abuse

    • Overall: 4/5

    Cat owner and still enjoyed the story.

  • Yahoo! Finance User - Wednesday, November 7, 2007, 11:38PM ET  Report Abuse

    • Overall: 5/5

    I have always had dogs, and can't imagine being without one. They are always happy to see you, and forgive you immediately if you get on to them for misbehaving. They are really your best friend.

  • Jonathan - Wednesday, November 7, 2007, 8:47PM ET  Report Abuse

    • Overall: 5/5

    As usual, Rowley's essay is well-written, intelligent, and includes the larger picture. There are no easy generalizations, but rather an individual story, filled with worthwhile specifics, that invite connection. A

  • Geri - Wednesday, November 7, 2007, 2:46PM ET  Report Abuse

    • Overall: 5/5

    the more people I meet the more i love dogs. i have 4 dogs and i can't imagine life without my dogs. they make my life.

  • Yahoo! Finance User - Wednesday, November 7, 2007, 2:11PM ET  Report Abuse

    • Overall: 5/5

    Can't agree more...pets add a ton to a household...unconditional love being one of many things. And this does VERY much belong in the personal finance section -- sometimes finances can't be and shouldn't be obsessed over, especially when it comes to priceless members of your family, like kids and dogs.

  • Yahoo! Finance User - Wednesday, November 7, 2007, 1:01PM ET  Report Abuse

    • Overall: 1/5

    By far, the stupidest thing ever. If your family and life can't bring you the happiness you need, then there is a problem. Animals are cute and cuddly and all, but let's step out of the Disney box and look at reality. Animals are just that...animals. We have a dog, but we will never put so much emphasis on it's existence where it will be like a member of the family has died! They aren't people! I say save the cash and avoid your childish "needs" of having a four-legged companion. Fulfill your happiness by volunteering at a shelter. Take your kids to the park and just play with them. Don't just buy them a dog and act like that is all they need from you.

  • mary - Tuesday, November 6, 2007, 8:41PM ET  Report Abuse

    • Overall: 4/5

    Lovd the story. Reminded me of when we had dog named WISE GUY and a cat named SMART ALEC.The children named them and they lived up to their names.

  • ElizabethZ - Tuesday, November 6, 2007, 12:43PM ET  Report Abuse

    • Overall: 5/5

    There is something inherently wrong (a missing gene perhaps?) with people who don't like animals. They are the people who cut you off in traffic and don't leave a note if they dent your car in a parking lot. I believe they are also the ones who don't smile back when you smile at them in the checkout aisle. They are the incessant complainers, the whiners, the brow-beaters, the first ones to point out the negative rather than the positive with everyone and everything. This is an EXCELLENT article, beats to a pulp Trunk's & Orman's stuff any day. We have two 4-leggers myself and a cat. They are an integral and wonderful part of our lives and worth every cent. Enjoy your new addition!

  • Kelly Leak, LF - Tuesday, November 6, 2007, 10:08AM ET  Report Abuse

    • Overall: 5/5

    I read this article last thursday afternoon, about an hour after my dog was hit by a car on my lunch hour, as the door blew open and he went running out. I rushed him to the vet, where everyone's outlook was grim... $2500 and 3 days later my little 3 lb chihuaha is running around the house again. I never once put cost before him, and would have spent more if he needed it, something the vet says is rarely the case. This article definately belongs in the finance section as a reminder of the possible financial investment/burden you are making, but it is one that pays off greater than any other tangible investment. A nice change of pace from interest rates, oil, and cutting out the daily latte articles.

  • Gordon - Tuesday, November 6, 2007, 9:14AM ET  Report Abuse

    • Overall: 1/5

    This is sentimental to the point of being maudlin. Further, it definitely does not belong in the Finance section.

  • Sunnybunz - Monday, November 5, 2007, 9:43PM ET  Report Abuse

    • Overall: 5/5

    Brought a tear to my eyes. I'm a dog lover and buried my last one 2 years ago. Enough is enough,i don't think i could do it again. Really enjoyed the story.

  • Dory - Monday, November 5, 2007, 2:59PM ET  Report Abuse

    • Overall: 5/5

    You're inspiring me toward taking the plunge toward dog ownership, and making my 10-year-old a happy girl. Great piece.

  • babyfaceccpizza - Monday, November 5, 2007, 1:28PM ET  Report Abuse

    • Overall: 5/5

    We love our 2 little 4 legged girls,my kids are grown.

  • Niha - Monday, November 5, 2007, 1:27PM ET  Report Abuse

    • Overall: 4/5

    She is so right, as she usually is! Another reason to get a dog, as my husband and I have recently discovered, is because it serves as a pretty incredible "parent" meter. My husband and I have been married over a year and we're not yet ready for kids. But we were ready for a puppy, so we got our beautiful lab puppy a few months ago as a "pre-children" test to figure out when we would be ready to have kids. I'm so glad we got the puppy! We have learned some valuable lessons about discipline, interesting potty-accidents/adventures, nightly cries for affection or food, and various other experiences. Our puppy has not only brought so much love and togetherness into our little household, but has also brought us a little bit closer to being ready to have children.

  • Murray - Monday, November 5, 2007, 11:46AM ET  Report Abuse

    • Overall: 3/5

    Cute article and a different take on our furry friends than I have. As a lifetime pet person, I have never once considered their monetary cost.

  • Yahoo! Finance User - Monday, November 5, 2007, 9:33AM ET  Report Abuse

    • Overall: 2/5

    This article, although it appears to be fairly well written, does NOT belong in the Finance section.

  • Yahoo! Finance User - Monday, November 5, 2007, 9:25AM ET  Report Abuse

    • Overall: 5/5

    Rowley's column is called "Money and Happiness".... This represents the happiness part. Great article. My 15 year-old mutt takes the stress away and is happy to see me no matter what kind of mood I was in when I walked through the door. It's the only animal that shows love unconditionally. Thanks.

  • Yahoo! Finance User - Sunday, November 4, 2007, 4:08PM ET  Report Abuse

    • Overall: 5/5

    hear, hear!! couldn't agree with you more :-)

  • Khana - Sunday, November 4, 2007, 1:55PM ET  Report Abuse

    • Overall: 1/5

    Not exactly about the topic that we all come here to read...FINANCE!!!???

  • pj - Sunday, November 4, 2007, 1:18PM ET  Report Abuse

    • Overall: 4/5

    i think the intensifying rage for animals is that it's the last connection we have to something real, natural, and good in this world.

  • Christopher - Sunday, November 4, 2007, 6:16AM ET  Report Abuse

    • Overall: 1/5

    This is why I love dog owners. Clearly not a finance article, yet every dog owner makes sure to give it 5 stars. People...this is the SoccerMomization of America at work. The state of California exterminates 100,000 dogs and cats every year because they cannot find homes for them, but we are still allowing the importation of pure breed dogs from other countries so a nice lady from New Jersey (Laura) doesn't have to ride around in her SUV with a Mutt. Can you imagine the teasing her kids would get when their friends came over and saw a Mutt? The trauma! Don't believe that crap for a second that her husband brown bags his lunch on her command or that they don't own any cars that cost more than $5,000.00.

  • Brendan - Saturday, November 3, 2007, 11:56PM ET  Report Abuse

    • Overall: 5/5

    I’m a Fee-Only Financial Planner, a member of both Garrett Planning Network and NAPFA, and I love this story. The best financial planners have started to realize that there are some components to wealth that are NOT measured in dollars. Things like your health, having numerous deep personal relationships, a strong sense of belonging to your community, belonging to a spiritual community of your choosing and yes puppies who love you unconditionally and depend on you for everything. Never loose track of how well you are doing building your non dollar measured wealth in life.

  • cloudysunday703 - Saturday, November 3, 2007, 10:29PM ET  Report Abuse

    • Overall: 5/5

    I'm a dog person too! But my parents won't let me get a dog. So I'll hafta wait 'till i'm 18...

  • Rob H - Saturday, November 3, 2007, 7:34PM ET  Report Abuse

    • Overall: 1/5

    It seems that Mrs Rowley has finally succumbed to her emotional neediness. Her husband is probably not fulfilling them, so she has purchased a dog. She is filling the emotional void in her life with a pet. Divorce is not far away.

  • Susan - Saturday, November 3, 2007, 7:28PM ET  Report Abuse

    • Overall: 5/5

    Thoroughly enjoyed this article. So true in many respects. Dogs are expensive but well worth it for the pure joy they afford you.

  • wealthencyclopedia.com - Saturday, November 3, 2007, 12:05PM ET  Report Abuse

    • Overall: 5/5

    Good one. It is worth noting that once we make an investment - be it a stock or a dog - we tend to become emotionally attached to it. In case of a dog, the attachement is understandably :-) much greater. Human nature being what it is, time to count the cost is BEFORE making a decision. Once you hold a puppy in your arms - all rational thinking goes out the window - they are so lovable.

  • Chuan-Wei H - Saturday, November 3, 2007, 12:04PM ET  Report Abuse

    • Overall: 5/5

    the civilization sometimes just makes us think we are more than human beings... we are just human beings... what if human were just a race without the "so-called intelligence"... where would the "so-called money" come from? And what if the so-called intelligence is just an imagination?

  • Long Dong - Saturday, November 3, 2007, 10:39AM ET  Report Abuse

    • Overall: 1/5

    Dogs are a big waste of money and time. They are a bigger burden than kids, both socially and financially.

Showing comments 6-35 of 119<< PreviousNext >>
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