What have you stopped buying due to a price increase?

[heartbroken22]

?? Don't buy as many eggs as we normally did or chicken...

so much fuss about some posters cancelling pet insurance.
i bet if anyone cancelled house insurance there would be very few comments.
this thread isnt just about pets - and people are allowed to make their own decisions.

I've never had pet insurance, have had cats all my life, current cat is a healthy and lively 17 and this thread has made me enormously fearful that she is suddenly going to require vets' visits. She's a half indoor, half outdoor cat - maybe I'll keep her in a bit more as well as putting funds aside.

I obviously can't speak for anyone else but I'd say the same to anyone cancelling any insurance.

i never had pet insurance for my previous dog, lived to the age of 16
current dog, persuaded by this very forum to get insurance, due to the fact that she might run into the road and cause an accident !
however people should make cut backs as they want without feeling bulldozed

I've volunteered for a cat charity before and seen first hand the distress owners feel when they are suddenly faced with a huge bill and the choice is either to PTS or sign the pet over to a charity who may be able to help.

Insurance in general is one of those things you hope you'll never need but when you need it, you're glad you have it. Pet insurance is the one people are most likely to claim on - that's partly why it's expensive.

Many people think they can just put the money aside instead but usually those savings are nowhere the cost of the vet bills.

@MrsLargeEmbodied I’d have thought that there would be a LOT more comments if anyone said that they were cancelling their house insurance?

@Mol1628 we're back to using a cafetière now. So much cheaper and better for the environment too. Tend to stock up on lidl coffee when it's on offer

If you have a farm foods, you can get 30 birdseye cod ff for £6.50

I bought a sainsburys greek yoghurt today, their fancy one which two weeks ago was £1.50 - standard price, not on offer. Today it was £1.75. I will hunt around for offer prices on yoghurts I like because I really don't want bloody yoghurt to be a luxury.

Oddly, the toys seem the same price. I wonder if shops are keeping the prices low as they are not selling?

Again, re. pet insurance: this only applies to me, I’m definitely not having a dig at anyone elses choices, but doing what I feel it sensible for MY circumstances.

I’ve currently got approx £6k saved in an account which is purely for my two dogs - I’ve been putting money in there, in lieu of full insurance (whilst maintaining 3rd party insurance). My view WAS that I’d definitely have been able to pick up more work/get a loan/borrow money from family to cover anything that came up.

I’m not so confident any more.

This thread has got me thinking that whilst both of my dogs are currently healthy, I’d be better off using that money to fund insurance NOW. Just in case. If something happens that wipes out that £6k, I’m in trouble.

I’m still going through quotes and reading the small print so that I make the right choice. But as I say, for ME, especially as I already have money saved specifically for my dogs, the sensible conclusion is to insure them now

@Anotherselfemployedcleaner if you are buying a house, the mortgage company insist you have house insurance. So for most it is really not a choice.

Toy shops have very slow moving stock, so what they're selling today was probably bought last year, or even earlier. So, they've not yet started paying higher prices for their stock (not yet anyway), hence no "need" to increase prices. When they get in new stock, they'll pay more, so will increase prices.

That's different to food as shops buy in food daily/weekly, so price increases from suppliers/manufacturers impact a lot more quickly.

At the end of the day it's about choice and necessity. If people think they don't need a particular kind of insurance, then fair enough, cancel it. But with something like house insurance, the stakes are huge, i.e. if your house isn't insured, then you could be left homeless without funds to rebuild if it catches fire. Likewise with pets - if you can afford vets fees then insurance may not be worthwhile to you.

@antelopevalley I know that - and thats why I made the comment to @MrsLargeEmbodied as I thought anyone suggesting cancelling house insurance would definitely mean lots (in fact a huge amount ) more comments.

Re the pet insurance. We had to pay £13k during 2020 for our dog who suddenly ran into 3 medical difficulties (cancer and spinal surgery) that we never could have predicted. One minute a totally healthy dog and then suddenly like bad fate 3 serious incidents occurred one after the other with no warning. Luckily we could pay it and it was our decision to cancel insurance when she was younger (not for financial reasons). It does work out that the monthly premiums we were paying over her lifetime equates pretty much to what we have spent so far (and is a risk we took) but I realise this would not be possible for a lot of people. I would have been devastated if I could not have given her the chance.

However, as someone upthread said, she is now 13. IF something major were to go wrong now costing another £13k I would really question if that would be the best money I could ever spend and morally (emotionally?) the best thing for the animal. I would be hopeful that vets and an insurance company would question it too.

i have had pets since 1994 and never claimed on insurance.
i have only had insurance since 2013 and got away without needing any pet insurance at all

i didnt have contents insurance for a time, <<rent>> as i figured my belongings were not worth a fortune

Well that would be illegal

as having buildings insurance is a condition of mortgages .

Not every poster has a mortgage though

@carefullycourageous I get reasonably priced eggs from a farm. Tray of 30 for £4.50 but I can see the happy hens. These are not that expensive and not far off the £1.95 for 12 price per egg. Eggs can make a cheap nutritious meal

You are very lucky if so! The ones in barns laying 'barn fresh' eggs are not so happy. I am based in an urban area so have no similar options - but now I am learning to make cakes with aquafaba I can save the eggs for tea - I agree they make great meals.

I've never had house insurance.

I took one dog to a vet in France last week. Thorough check over and tapeworm treatment to get him back into the U.K. The vet spent half an hour with us, and the bill was £39.

Our other dog strained a muscle here and the dog sitter took her to our vet. A five minute appointment and some metacam cost £70.

Why are vets so much more expensive here?

This thread has prompted me to get insurance!

Vets are expensive here because of insurance. They know everyone now claims on insurance. Vets do have discretion however.
Like car insurance means a cosmetic dent costs £100’s. I pranged mine and all the local garages wanted thousands. My friends private mechanic took it to his mate that does body work and charged £400. Perfect work too.

This thread has got me thinking that whilst both of my dogs are currently healthy, I’d be better off using that money to fund insurance NOW. Just in case. If something happens that wipes out that £6k, I’m in trouble.

That's really sensible, Another - you have won the gamble & now you can secure your dogs' health with money you've already gone without. Our last dog was pretty healthy but tore a cruciate ligament, had to have an op and further treatment - it was about £10,000 altogether.