I think you are pretty dead on except for the vet bills. The neutering (at least in my area) runs about 150.00 plus you have to tack on the extras. Hearworm test, shots, exam, blood tests etc. My first vet bill with Leo was about $125.00 and that was with him already neutered and a free vet visit certificate. I may be a little overboard though. I always have bloodwork done whenever I adopt a new dog - that costs me about $50 itself. I could also be off if the pup has already gotten some shots, but there will definitely be more.