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(StatePoint) Whether you are a first-time or veteran pet owner, being a pet parent can be expensive. From daily needs like food, treats and toys to medicines, the costs can add up.

(NAPSI)—If your family is like most, you spend more time inside when it’s cold and dark outside. On the one hand, that can make this a great time for enjoying baking, reading, board games, movies, and so on together. On the other hand, you’re…