Wondering how to start the money talk with your parents? Check out the tips I shared from my new book, Mom and Dad, We Need to Talk, on @CNBC's @OnTheMoney. https://t.co/ySQsa2YdCB #MoneyTalks #personalfinance

A10. It pays to be prepared for unexpected costs! #CreditChat

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A9. It’s a great idea to create a separate emergency fund for pet costs. Open a savings account and label it “pet fund” or something similar and set up automatic monthly transfers (even small amounts are better than nothing). #CreditChat

A8. If you’re on a tight budget, you probably should wait until your cash flow improves to adopt a pet. You don’t want to sacrifice your own financial well-being or find yourself unable to afford care for a pet. #CreditChat

A7. Sorry to say that the cost of pet ownership can interfere with other financial goals, such as paying off debt and saving for retirement. #CreditChat

A6b. Be aware that if you have an exotic pet (bird, lizard, ferret, guinea pig), only a few insurance companies offer coverage: https://t.co/gp1Nm3AzfZ #CreditChat

A6a. Pet insurance usually works on a reimbursement model. You have to submit receipts for care to get reimbursed. When comparing plans, look at reimbursement percentages, deductibles, what is and isn’t covered. #CreditChat

A6. Pet insurance can be worth it to help offset big costs. It doesn’t cover pre-existing conditions and typically doesn’t cover routine care – only accidents and injuries – unless you buy additional wellness coverage. #CreditChat

A5a. Again, setting aside money each month in a pet emergency fund can help you be prepared for vet expenses.

A5. I just paid $600 for a single vet visit for my dog, who had a routine teeth cleaning (anesthesia is required), one routine vaccination and two medications prescribed. I knew the visit would be expensive – but not that expensive! #CreditChat

A4. I recently wrote about whether pet insurance covers pancreatitis in dogs for @YahooFinance and learned that hospitalization for pancreatitis can cost up to $5,000! https://t.co/MOxql8M4SB #CreditChat

A3a. Setting aside $10, $20 or more each month if you can afford it will help you build a fund to cover emergency costs or even routine care that most pet insurance doesn’t cover. #CreditChat

A3. It depends on the pet. For dogs, you need to budget for the cost of food, possibly grooming and extra to set aside in a pet emergency fund. For cats, you need to budget for food, litter, emergency savings. Throw in a little extra for treats or toys. #CreditChat

A2a. Example: Boarding our dog if we’re away for a week can cost several hundred dollars. #CreditChat

A2. Most pet owners recognize that they’ll have to pay for food and routine care (vaccinations, etc.). But boarding when you travel and unexpected illness/injury can be big expenses you might not have considered when getting a pet. #CreditChat

A1. We got our dog 100% because our kids wanted one. Of course, I’m the one who takes care of it now. #CreditChat

If you have pets or are thinking about getting one, don't miss the @Experian #CreditChat today at 3 p.m. ET. We'll be talking about the financial side of pet ownership. See you there!

A10. I’m proud of finding ways to boost my income and limit spending to only the essentials. Go me! #CreditChat

A9. Get an accountability buddy – a spouse, partner, friend or family member – and schedule regular check-ins to make sure you’re on track to reach your goals. #CreditChat

A8. Get clear on what is most important to you, then review your spending to see if your money is actually going toward what is important or taking you further away from reaching goals that align with your lifestyle priorities. #CreditChat

A7. Consider challenging yourself not to spend money on anything that isn’t essential and to put all of your “savings” toward debt repayment, an emergency fund or retirement. #CreditChat