See if the veterinary technician at your local practice performs basic tasks including vaccine boosters, nail trimming and ear cleaning. That can save you the doctor's exam fee—about $50, depending on where you are. (Ask for the tech when you call.) Think outside the vet's office, too: You can get low-cost vaccines from shelters and pet stores on visiting-clinic days. The Luv My Pet clinic (luvmypet.com) offers a kitten pack with a dewormer, a leukemia vacccination and a three-in-one distemper combo for $49—a $26 savings
How I save: "The low-cost vaccine clinic at the animal shelter near me really helps with my dogs. I pay only $5 for their shots and the required city license—which has added up to a lot over the years." —Robin Hunt, 43, Bakersfield, Calif.