My husband and daughter begged me for a dog for a couple years, and my answer was always NO WAY! I am just not a dog person and I seem to have an excellent sense of smell and regardless of how groomed an animal is, I can smell it immediately upon entering a room, so I wanted nothing to do with a dog.
Last March we were on the dog issue again and so I was looking through the paper (just for fun) and saw a litter of min-pins for sale. I researched them (they are little dogs, loyal but stubborn, "not a beginners' breed," etc) and on impulse, went to look at the puppys. The minute we saw our little guy (named Napoleon - little guy with a big power issue), my heart melted and we went back to get him a few days later.
I was totally unprepared for the cost of a dog. We have bought everything for our dog - including 4 crates (yes, for a 10 pound dog), a couple of litter boxes, a ton of toys, a few beds, the food storage containers, the food/water dishes, leashes, tie-downs, water bottles and apple bitters, obedience classes, etc etc. We must also pay for the vet (annual appointments and shots for our little guy are fairly cheap, but the neutering, removing the dew claws, and even just a case of a sick dog visit, get quite expensive. Food for him is fairly cheap, but still runs about $25 a month (he eats Royal Canin, which is an expensive brand). Pee-pads cost about $10 a month (he uses less than a pack of 15 a month - these are the housebreaking pads they sell for puppies but since we are gone sometimes for up to ten hours, we bought him a large dog crate so he has room to do his business, play a little, sleep in a smaller crate inside the large crate, and drink water). Toys and treats are about another $15 a month (we give him Greenies and all natural treats, and Nylabones for toys - he is quite the powerful chewer). We also had to buy him clothes (are you laughing that I said had to? honestly, we would put him outside on a cold day and no sooner open the door and his entire body would be shaking). Grooming is another $30 a month, and includes nail clipping, brushing of teeth, and shampooing, etc. Of course, we COULD do this at home, but each time we attempt to groom Napoleon, he shows how stubborn his breed is. Finally, heartworm meds are about $10 a month (he gets the med that you rub between the shoulder blade and protects against all sorts of animal yuckies, including heartworm and mites).
I am still definatley not a dog person. I like my little guy, but on some days, I am just SO overwhelmed with him. With a dog, you have to plan your entire day around it. At least with a kid, if you want to run to town, you can just bring the kid with. It is not so easy with a dog. Plus, on the nights you just don't have time, you have to make it for the dog. It isn't his fault he has busy masters, after all.
Anyway, I guess I would just urge you to think long and hard about getting a dog before you do. Again, they are tons of fun, but even a year out, I still question whether I made the right decision getting him. Most days are fine, but some days he tests my patience. I also worry about the money - we can afford him, which was one of the main considerations when we got him, obviously, but I still don't know what my threshold is on an injury. My neighbors paid over $4000 in emergency vet bills after their large puppy got hit crossing a street, and I don't know if I could choke out that much money for a dog. Again, I don't want to sound cruel, but I'm being honest. I wish I would have thought about this before getting a dog as well.
Good luck with your decision, whatever it may be!