centralnewyork LISTS ARE GREAT!!!!!
i got insurance for bunjee. the routine maintence is $25/month plus $130 one time enrollment fee but it pays for all his dr visits, vaccines, travel certificate if i need it, neutering. it comes out to $430 this year, but next year it'll be $300 a year for all his exams vaccines and health screenings. although i'm contemplating whether or not to continue to routine aspect of the insurance after this first year. i'm kinda a nervous first time mommy... i'm always calling the vet to see if "something's wrong with my puppy". and at $40-50 a pop per dr visit around here times 5 visits (1 health exam and 4 vaccination visits) plus $20 per shot times 7 shots plus the neutering, the insurance pays for itself with all the visits i make for vaccines and neutering only. but as the puppy grows and i become a more experienced yorkie owner, i may just pay the annual routine stuff out of pocket myself and save a little money ($40 per annual checkup plus $70 per year for shots at vaccine clinic).
as for accidental and medical insurance, that costs $15/month. i've had friends who have had unexpected health issues with their dogs, resulting in medical bills in the thousands. i think $180/year is a good investment to reduce such an expense. it's in the nature of insurance to rip you off (JMHO

). you spend money hoping you never have to cash in on your investment. oh well.
As for thee baby wipes, I'm an anal person and my husband's a clean freak. Bunjee gets wiped after every pee-pee and poo-poo. His paws also gets wiped whenever we come back from the outside. but baby wipes at target are pretty cheap and we always get the econo packs.
80 pee pads for $10!!! that's cheap! i pay $30 for 100! what area of target are the pee pads you use? i gotta get me some of that when i'm done with my current box! bunjee is indoor trained. he won't go outdoors, not without a pee pad anyways.
Bunjee's also a really picky eater. Finding a treat that he liked was such a chore!
I just got a buncha toys from petsmart for bunjee. he's having a ball. it didn't matter to him that they were christmas toys, just that he's got LOTS!!! and they're cheap for mommy.
I think i am going to go for it eventually...just searching for the right one...