Ok so I wrote about this in a different thread like a day or two ago. I found an ad for a horse for free lease on the internet. Turns out the horse belongs to a friend of mine. I would get to lease him for free starting in Sept to probably the end of may while she is away at university. I get all his tack and everything that goes with him, and even free use of her trailer if I want to show him or anything. I'm planning on keeping him at the farm where he is currently boarded which is $200 a month. He's got really tough feet and she said she usually gets them trimmed around every 2months and it only costs her $25. He's a really tough horse and has a nice strong build and my instructor and my friend both said it is highly unlikely that I'd have to have the vet out at all for anything other than an anual check up. We've also agreed that if anything serious were to happen to him which would require high vet bills, as long as it is not something due to a reckless mistake on my part, she is willing to pay for it. This will be stated in our contact agreement. I went to meet him and try him out the other day and I loved him! He's a total sweetheart and my friend has put a lot of work into training him and he's a great horse.
The problem is I'm scared. My parents have never been able to pay for any of my horse stuff for me. I've always had to pay for my lessons and anything horse related myself. I don't want to get myself into a situation I can't get out of. It's going to cost me around $320 a month for board and lessons from my instructor and my part time job, at the MOMENT pays me about $600 a month but I don't know if that will stay the same once summer is over. I may only be getting like $400 a month once school starts which would be cutting it kinda close at times. And if I lose my job (which I don't see happening but still) I have no support system from my parents to back me up. I'm also supposed to be putting at least some money away for college. I don't know what to do. I know I could do it, as long as I am able to maintain my job and enough hours to have enough money for everything. If I need to I can cancel my lessons if I feel like I won't be able to pay for them which would save me a lot of money. I also plan on putting money aside before the lease starts in september so that if I feel like my job is in jeopardy I have at least 3-4 months of board so I can hopefully find a new job if something were to occur. So I feel like I'm OK. And I deffinitely have the maturity and am responsible enough to take this on. But I'm scared to take that risk.
What would you do if you were me?
I'm really sorry it's so long, I just really don't know what to do.