If you are a regular pet owner, having your pets spayed or neutered can save you a bundle. Although there is some initial cost, the savings on "puppy" cost can be substantial. There is also the cost of intact animals straying from home in search of a mate. Not only does this reduce the desire to roam, it reduces the instances of reproductive organ cancer in a number of pets. Check with your veterinarian to see if this is an option for your pet.
Happy Pet Ownership!