I'm a student and on a tight budget as well, and I just wanted to put an extra plug in for insurance.... My insurance policy has saved my butt this year. Harley has been diagnosed with IBD, and skin allergies, and I have to take him bi-weekly to the vet for check-ups until we get his skin cleared. He also has a luxating patella, which requires rehab/therapy sessions so he can continue to compete in agility. All of this is covered at 80% by the insurance company, so my wallet isn't taking as hard of a hit, but I'd be out probably $3500 since July.
Also too, if you plan on having her indoor trained, instead of using puppy pads, which cost a fortune, consider a grid like system.
http://www.yorkietalk.com/forums/gen...while-ago.html I save a lot of money by using this instead of puppy pads, now I only use pads when I'm visiting people.