With four dogs we've found pet insurance to really help as our dogs age. While it seems expensive we would hate to not be able to afford something our pets needed so we've found some good insurance (ask your vet) helps costs in the long run.
We also get a "group" discount for our dogs. Find a vet you love who will work with you and who you know wants the best for your pets.
We also, when grooming, have them cut short in the spring. The "summer cut" makes them more comfortable and often we don't have to regroom until September!
Take great care of your pets. They are the best friends you'll ever have!