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You might consider a chinchilla. You'll spend a bit more up front to get one, but there are a lot of expenses you'll avoid. If you just get one, you don't need to worry about neutering. Our vet bills for our chinchilla have been almost non-existent. They don't eat a great deal and their food isn't terribly expensive. Although most of them don't like to be held, there are exceptions, and many of them like to be petted or scratched. One of the big advantages is that as far as I am aware, no one is allergic to them.

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