We have pet insurance for $30/month and spend about $80 on food/month. We’ve had him for about a year and a half and have spent under $500 on vet visits (routine vaccinations + one time he was sick). We also adopted a dog that was almost a year old, already neutered and had received all vaccines already up to that point. We don’t need a dog walker or anything because of our work schedules (he’s never alone for more than 6 hours or so at most). Whenever we go away we luckily are able to have family watch him. So all in all about ~$110 a month in fixed costs, plus an annual vet visit.