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This is exactly right. And, in my experience, you can still find shelters or clinics that will do shots and/or neutering for a reduced price.

We received two kittens for free last year. One is male and the other is female, so we knew that we would need to get them fixed as soon as they were old enough. Our friend told us about a shelter that would allow us to get them "fixed" for a reduced rate, since they weren't trying to make a profit. We drove an hour to get there, but it was worth it - we saved over $100 between the two of them.

All in all, cats are relatively cheap - our ongoing expenses are just food and litter, and shots every couple of years. We did have to buy a few rounds of flea medication when we moved into our house (the former owners had a dog, who brought fleas inside); we did find that it was cheaper to buy at our local pet store rather than the vet (who gave us the first dose for free).

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