Issue #1: Expenses
This website takes you through all the expenses necessary to having a dog and how you can save money in each category.
http://www.webvet.com/main/2008/05/06/taking-care-your-dog-budget
Issue #2: Lack of Time
-Dog walkers
-Dog Day care
-Durable chew toys
-Music/TV on throughout the day
-Getting up a little earlier in the morning to exercise your dog
-Hiding toys and treats around the house for your dog to hunt for while you are at work
These small extra steps can tire a dog out and keep it occupied even if the owner works all day and there is no one at the house.
https://positively.com/victorias-blog/do-you-have-time-for-your-dogs/
Issue #3: Cleaning
This article discusses different easy, cheap, ways to clean your dog.
Some of these include, bathing, brushing the dogs teeth, brushing, paw and nail care, and shedding issues
https://www.aspca.org/pet-care/dog-care/dog-grooming-tips
Additionally, here are facts of how to prevent shedding:
http://www.drsfostersmith.com/pic/article.cfm?articleid=72