4. Paws in winter. If doggie boots aren't in your budget, protect Fido's paws by coating them with nonstick cooking spray before walks. This also helps prevent snow from packing between pads.
5. Think small? It costs about $235 a year to feed a large dog, says the ASPCA, and only $55 to feed a small one. That compares with $115 for a cat — and $190 for a rabbit.
Contributors to 99 Great Ways to Save 2012: Arthur Dalglish, Cathie Gandel, Joan Rattner Heilman, Sid Kirchheimer, Jason L. Lawrence, Marsha Mercer, Geoff Williams, Jeff Yeager and AARP members like you.