Great article! I know first hand how pet costs can add up, especially if you want to feed them a better-than-average food, etc. One place I cut my costs with them is to give my own shots. You can buy a 7-way dog shot for about $7 and the vet is charging about $15 per shot for 7 different one. (Of course many are now saying dogs don't need these shots at all, or as frequently)
Didn't mean to get off on the pet subject.
It's true that whatever you focus on will grow. If you focus on spending, then you'll be in debt! If you focus on saving, then your savings will pile up.
Stacy