Pet food, treats and toys add up fast every month, but at least you can develop an estimate of how much these items will cost you on a yearly basis. It’s those unexpected expenses that punch you in the gut when you’re least expecting them. When your cat suddenly develops a urinary tract infection or your dog develops a questionable lump under its skin. When these issues arise, it’s usually when your bank account is tapped out and you’re impatiently waiting for your next paycheck to arrive. U