How much is that doggie in the window?

The role of pet ownership is evolving into that of pet parenthood. Animal companions are being treated like 'ohana, moving from the backyard into the bedroom.

According to the American Pet Product Manufacturers Association, the estimated cost of care for a dog or cat of average life span is about $20,000. But budget is probably the last thing that comes to mind when you're thinking about adding a companion animal to the family. More often than not, acquiring a pet is an emotional decision. Many become unplanned pet "parents" where a cat wanders in through the back door, or you welcome a dog who a family member is not longer able to keep.

Regardless, it's never too late to budget for your pet to ensure that resources are there in times of emergency care and to ensure the highest quality of life your pet can have.

And if you haven't acquired a pet yet, consider the initial necessities: vaccinations, spaying or neutering, collars, leashes, identification tag, microchip ID, pet food, water and food bowls, carriers and crates.

Food, veterinarian visits and cat litter can add up. Determine if you can afford the 10- to 15-year commitment.

Approximately 90 percent of healthcare costs occur in the second half of a pet's life.

A few ideas to keep pet care expenses down: