How to Get DIRT CHEAP Pet Medication, Without a Prescription

Coming at you today with a life hack for getting cheap pet medication without a prescription. We rarely do these kinds of “one neat trick” articles—but when we do, they’re bangers. This one’s no exception.

I have a whole passle o’ hounds. My budget for routine flea, tick, and heartworm preventative medication used to be $360.00 per dog, per year. And that didn’t include fees for the annual vet exams or tests to get the prescriptions in the first place! I don’t need to tell you this was way too much fucking money for me. For years, I’d just accepted that price without question because I was too busy with work to think about it.

But at long last, I have the luxury of time! After an exhaustive amount of research (brought to you by coffee and Adderall, breakfast of neurodivergent champions), I found myriad other ways to get cheap pet medication. And I’ve identified what I think is the very best one.

I got my cost per animal down to just $32.50 a year. That’s 90% cheaper, for the exact same medications!

And today, I’ll tell you how I did it.

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Businesses Will Happily Give You HUGE Discounts if You Ask This Magic Question

Businesses Will Happily Give You HUGE Discounts if You Ask This Magic Question

Also known as “the magical six-word question that’s saved me $1,140 in the last three months.” Sounds like clickbait, right? But miraculously, this tip is 100% legit and may one day save your (financial) life.

It’s a special little secret called… the cash discount.

I’m a little wary of asking for discounts, especially from very small companies. When it’s just one or two people running the show, it means those one or two people spend an inordinate percentage of their time doing things they don’t like to do. Nobody starts their own business because they love filing quarterly taxes—they soldier through it for the 10% of the time running their business in which they’re actually doing the thing they love.

And every small business owner I’ve known has lost sleep over their pricing. (Us included!) No matter what you’re selling, there’s local and global competition for it, and consumers have tools now that didn’t exist 10 or 20 years ago that allow them to find, compare, rate, and review similar services. The world is a buyer’s market, and it’s really hard to measure what you know your work is worth against what you know people are willing to pay for it.

So asking to pay less for the same product is almost always a wearying and unwelcome question… with one very special exception.

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The Ultimate Guide to Helping a Sick Friend

This month, our wonderful Patreon donors requested an article on helping a sick friend. I couldn’t be happier, since this has become an area of special expertise for me!

I’ve spent the first months of my early retirement as a full-time caregiver. That definitely wasn’t the plan! My partner was diagnosed with a femoroacetabular impingement: the ball-and-socket joint of his hip wasn’t quite ball-enough, and the socket was too-sockety. So he had corrective surgery. Obviously, getting bone shaved off a weight-bearing joint ain’t something you bounce back from quickly. For him, it meant 6-8 weeks of bed rest, plus 5-6 hours of physical therapy every day, to fully recover within six months

Helping a sick friend is kind of a big deal.

And I wasn’t just taking care of him! While this was happening, a good friend got gender confirmation surgery. They stayed with us for the first part of their convalescence. And somewhere in there, our oldest dog got twelve teeth pulled. It was a lot to deal with all at once! Our house was overflowing with love and pills, pills, so many pills, and also sprays, and ice packs, but mostly pills.

So believe me when I say I’m bringing the full force of personal experiences into this guide to helping a sick friend. More than anything, it takes creativity to be helpful in situations where you feel powerless.

So I’m happy to impart this hard-won adulting wisdom. I hope you can use it to be the MVP of a loved one’s recovery.

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2022 Student Loan Forgiveness FAQ

The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For

When I heard that President Biden was pushing through a massive federal student loan forgiveness initiative, I knew exactly what I had to do. I dropped what I was working on and immediately grabbed my phone.

I texted Piggy, my coblogger, to let her know what truly mattered in this situation: that I was right, and she was wrong, neener neener neener.

You see, back in March of 2021, I wrote a case study dissecting an IRL friend’s financial situation. In editing my article, a disagreement surfaced between Piggy and I over the likelihood of student loan forgiveness. She considered the possibility of $10K in student loan debt cancellation so remote that she strongly pushed me to remove it from the article altogether. We settled for explaining both our stances in editorial notes, which you can still read here. (Piggy: In my defense, I’ve heard this campaign promise since I was a starry-eyed 17-year-old college applicant at a John Kerry for President event.)

But I was right. As I always am! I’m a seer, a sage, a prophetess. If I had letters tattooed across my knuckles, they would say TOLD and YASO. I am Samuel Gerard, United States Marshall, ruff ruff ruff!

Okay, okay, gloating aside… A big chunk of federal student loan debt is indeed being canceled. At long last, Cancel Culture is ASCENDENT!

I know our readers have a ton of questions about how this student loan forgiveness package works. Follow me, dear children, and I will answer all of your questions in a rapid-fire FAQ.

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Your Yearly Free Medical Care Checklist

Your Yearly Free Medical Care Checklist

If you are an American who is lucky enough to have health insurance, you almost certainly have free medical care coming your way.

Several annual and semi-annual services are available to you with no copay—and you have absolutely no reason not to use them. Technically, you have already bought them, as their cost is built into the premiums you’ve already paid. And your body will thank you for it! Even if you feel perfectly healthy, establishing a baseline of health will help your medical professionals detect problems early.

Pro-tip: don’t wait until the end of the year to do all this stuff! Every medical office I’ve ever been to is slammed during November and December as everyone tries to use up their benefits. Schedule it now to avoid the crush.

Here’s what you should be doing every year.

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Ask the Bitches: “I Took a Career Break to Care For Someone. How Do I Explain My Caregiving Resume Gap?”

Ask the Bitches: “I Took a Career Break to Care For Someone. How Do I Explain My Caregiving Resume Gap?”

Recently we got a question from a reader about how to explain a caregiving resume gap. Meaning, they took significant time off from work to care for someone who was sick or disabled. And now there’s an employment gap in their job history that they worry is negatively impacting their resume.

I haven’t seen this problem addressed much on finance and career blogs. That’s surprising, considering how common it is. One in four American adults is a caregiver to someone with a long-term illness or disability. Millions of them are simultaneously working outside the home.

It’s unendurably difficult to be a full-time employee and a full-time caregiver. But the “second shift” is a reality for many people. Caregivers pay an incredible physical and mental toll to do what they feel must be done. It makes perfect sense that someone would choose to pause one to focus on the other.

But of course that doesn’t stop certain prospective employers from holding that choice against you in your job search…

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How (and Why) to Take Back Reproductive Rights: On Pulling Weeds and Fighting Back

In light of the overturning of Roe v Wade, it’s with a heavy heart that I revise and expand this article from 2019 with a new goal to take back reproductive rights.

Our mission at BGR is to help people use money as a tool for greater personal autonomy, community stability, and social justice. The sudden unjust denial of abortion access to many Americans has us utterly shaken. We have stated many times that reproductive rights are a non-negotiable basis for success. It is impossible to work toward any of those goals without the right to freely determine the number and timing of potential children. But here we are.

The average American child costs a quarter million dollars before they reach age eighteen. The idea that any person or family should be forced to make such a financial commitment—or several such commitments—for something they don’t passionately want is fundamentally repugnant to us.

We mostly write about money and careers on Bitches Get Riches. It’s not because we love them so much we wanna kiss ‘em on the mouth—it’s because in the society that we have today, money and careers are the best tools we have to attain complete independence and autonomy.

We believe that each individual is an expert in their own happiness. And given a modest level of financial stability, people will have the freedom to make the choices that make their lives feel deliciously worth living.

Limiting abortion access—much less criminalizing it—stands in direct opposition to these values.

Piggy and I are sick with worry for the people impacted by this ruling. We’re grieving, as we know many of you are too. We are not alone. We’re not even a minority, as two thirds of Americans didn’t want this ruling. But we’re also furious, and ready to fight. Together, we have more power than the tyrannous minority of withered shitheads bent on turning our country into a racist, misogynist, corporate-sponsored theocracy.

Phew. Getting spicy and it’s just the intro! Did I mention I am furious?

Today we’re discussing how, and why, to take back reproductive rights. How do we get abortions to people who need them? Who can undo this injustice, and what can we do to exert influence on them so they take action? And how do we make sure that the changes endure permanently? Let’s get into it.

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A Guide to Sharing Finances with Someone Other Than a Romantic Partner

A Guide to Sharing Finances with Someone Other Than a Romantic Partner

In the past, when asked about sharing finances with someone other than a romantic partner, our advice has boiled down to one word: don’t.

There are two main reasons we’ve tended toward this perspective. First, many of the specific questions we’ve gotten on this topic have been, um… ill-advised? Often they’ve come from young people with limited life experience asking how to most expeditiously derail their lives. (“Myself and my four best friends are juniors in college, and rent in our city is super expensive, so we want to buy a house together! We haven’t been roommates yet, but we’ve all been best friends since grade school and have never fought about anything. None of us have credit yet. Can we all just co-sign five separate loans for each other? Thanks in advance!”) We will continue to answer such questions with a gentle yet robust one-two slap.

Sharing finances with someone other than a romantic partner is fine. BUT THIS GOES TOO FAR.

Reason #2 we’ve historically cautioned against sharing finances with someone other than a romantic partner?

Times were different.

Sooooooo much has changed since we started this blog. Political unrest, widening inequality, spikes in unemployment, a global pandemic, war, inflation, a new recession… during all this turmoil and strife, I’ve found it clearer than ever that none of us can weather these changes alone. Total independence is a luxury few can afford anymore.

Our systems are designed to make it easy and safe to share money with only two categories of people: spouses and immediate family members. If you don’t have—or want—those traditional ties, it puts a lot of pressure on you to fully and independently support yourself. And if there was ever an era in which that was doable and sustainable, that era has officially passed us the hell by!

Which means we need to reevaluate our stance on sharing finances with someone other than a romantic partner. We need to do better to legitimize chosen families and normalize community support. So today I’m offering a high-level overview of some of the best ways for sharing finances with someone other than a romantic partner.

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Unmarried? In THIS Economy? 7 Ways Our Society Financially Punishes Single People

Unmarried? In THIS Economy? 7 Ways Our Society Financially Punishes Single People

Structural discrimination against single people is the latest topic chosen by our Patreon donors. It is sooooo like them to throw research-heavy bummers my way. Thanks a lot, you beneficent bastards!

I used to think that the biggest financial turning point in my life was when I stopped being self-employed (read “chronically underemployed”) and got a Big Girl Job™ with a steady paycheck and health benefits. It was transformational. I felt suddenly, magically middle class. Like the fairy godmother turned down the heat on her princess-making magic wand to something just as good, but slightly less flashy.

Single people when they finally feel middle class.

But now, I question if that was really my greatest turning point. Because around the same time, I started dating a friend of mine. Financial pressures pushed us to commit to moving in together almost immediately. In the jumble of first/last/security payments on a new apartment and a flurry of Craigslist secondhand furniture purchases, it took a while to feel any financial benefits to partnership.

I see more clearly now how much dual incomes and shared expenses contributed to our long-term stability, to a magnitude no job could ever touch.

At the structural level, our economy financially punishes single people. I think it often rises to the level of discrimination. But even when it doesn’t, single people statistically have less financial security, and thus will feel “normal” economic strains faster than partnered people.

I’m striving with all my being to discuss this topic without making an “all the single ladies” joke. 2008 was four hundred years ago, and I’m clinging to cultural relevancy with only my fingertips.

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BONUS EPISODE: "What can I do to prepare for life in a post-Roe world?"

How to Prepare for a Post-Roe World (Bonus Episode)

In a good timeline, no one would have to prepare for a post-Roe world. Reproductive rights would be safely enshrined in our constitution, where they belong. Plus, ice cream would never melt.

Unfortunately, last week’s news made it abundantly clear that we’re in a crappy timeline. I accepted this news with horror, but not surprise. My faith in my elected representatives is as melty as a tub of Americone Dream left on the counter overnight.

But this isn’t the time to despair. It’s time to take action. Someone gave us the incredible gift of forewarning. We have two months to prepare. And there’s a lot of steps you can take to protect yourself and others in your community from the appalling consequences of forced childbirth.

Piggy and I hopped on an impromptu recording session to help our readers and listeners steel themselves for the fall of Roe v. Wade. And I’m thrilled to say we left our aimless thrashing and redundant moralizing on the cutting room floor! (Mostly.) What remained were actionable steps to help you prepare for a post-Roe world.

Listen below, or read on for a text transcript.

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