Though affording a pet is certainly possible for young Canadians with the right financial mindset, Marques said she too often sees clients with rocky finances inclined to adopt or purchase a pet, potentially digging them deeper into a financial hole
When it comes to advising younger clients who are looking to welcome a new fur baby into their family, certified financial planner and cat owner Cindy Marques has one overarching philosophy — “put yourself first.”“A lot of what I do, ultimately, with clients is heavily rooted in cash flow planning,” said Marques, who is also the director of education and financial planning at Open Access Limited.
“I have that kind of classic student budget,” said Preston. “I’ve never made more than minimum wage, it’s part time, and I don’t have benefits, but I know how to save and spend my money as someone who’s financially independent.” “For example, I don't just bake my cat’s food into my grocery budget,” she said. “I have a separate line item for it to be very clear and remind myself that this is a financial dependent who I love and want to treat well, and she has a cost attached to her that I’m prepared for.”
For Preston, part of her emergency planning also included accounting for the kinds of shenanigans one can expect of a young dog — namely, doing things they shouldn't.
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