Budgeting. Ugh. -venting NOT asking advice- - The Horse Forum
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post #1 of 34 Old 12-18-2012, 02:23 PM Thread Starter
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Budgeting. Ugh. -venting NOT asking advice-

I needed to do this... to see if my habit of impulsive spending is as bad as I think it is, or if it's really not that big of a deal. Turns out, I really am as broke as I feel, and the impulsive spending is not actually too bad.

...but I have discovered that unless I get another job [on top of what I already do I mean], I can't afford to move my gelding to somewhere I can get regular lessons, and I certainly can't afford to show in 2013. I might be able to manage it if I sell my filly but I really don't want to have to do that.

I've fiddled with the budget and played around with reducing my costs as much as possible but worked out that for essentials I fork out, on average, $239/week [I don't pay rent, and I currently don't pay board for either horse, so that's horse feed, my share of food/bills, and payments on my emergency credit card because somebody decided to rack up nearly $2000 worth of vet fees and counting]. I get in approximately $320/week on a good week, obviously less if I work fewer hours [read, am more efficient - unfortunately I get paid by the hour not by the work done!], and I don't really want to be working any tighter than that because occasionally the groceries are more expensive and I still have to pay my share of it!

The trouble is, if I move Monty, the absolute minimum I can get away with [and this is every single cent budgeted to something!] is $407/week, not including show entry and travel costs. Bearing in mind I don't pay rent!! When I eventually move out, I expect that number to rise to over $800/week... which is a fairly reasonable annual wage and not something readily given to a high-school dropout.

I can't afford to go back to study if I'm not earning more, I can't work more if I go back to study [my pay in this job is pathetic compared to what I would be getting elsewhere, but I love the job, so I'm staying], I can't progress with my life's journey if I don't get a better paying job.

I hate my budget. -glares at bank account-

Now... I will most certainly be getting a second [morning or night] job, but I cannot survive in customer-oriented positions - yes I have tried - so I have to find somewhere that'll hire a person with no high school diploma [I do have an equivalent qualification], be totally cool with me not being able to work weekends, and be flexible about hours [if it's a night position especially as I don't always finish at a consistent time]... and that won't make me deal with too many people. Not going to be easy.


Ok now that's out of the way off I go to figure out a solution.

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post #2 of 34 Old 12-18-2012, 04:29 PM
Green Broke
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And they say money can't buy happiness. I'd be a lot happier if I won the lottery. I'm so tired of pinching pennies for just the basic needs.
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post #3 of 34 Old 12-18-2012, 06:47 PM
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Why can't you work weekends? A lot of empkoyeers will not hire if you can not work weekends. 99% of the time, the person can, but they don't want too. You can find a Monday through Friday job sure, but its much easier if you are availiable at some point on the weekend.
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post #4 of 34 Old 12-18-2012, 10:33 PM
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Sounds like your specifications for a second job are WAY too tight and you're going to have to give if you expect your future employer to be THAT flexible. That or you're not going to have a future employer.
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post #5 of 34 Old 12-19-2012, 06:37 AM Thread Starter
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Originally Posted by OutOfTheLoop View Post
Why can't you work weekends?

The point of getting a second job would be so that I can show more consistently than maybe once or twice a year. If I'm working weekends it kind of defeats the purpose.

Sure I could show without moving Monty/getting the lessons, and could probably make one or two shows every month, which is a reasonable showing load for a fit horse and rider... but our scores would remain consistently dreadful in the dressage phase [we event] and I have resolved not to upgrade until our dressage scores improve... meaning we'll be stuck at 18" for a while yet. He's 17, it's only a matter of time before he gets to the point where he needs to start slowing down and I want to learn as much from him as possible before that happens.

More than happy to do nights [just not Fri/Sat/Sun nights, for above reason], early mornings, whatever. But because I already have a job, and it's casual meaning my hours can change at little to no notice, yeah I would need someone who is flexible [plus I really need someone who understands that sometimes when you have horses crap happens - vet visits, or, god forbid, colic...]. Afternoons are not an available time slot because that's what I typically work.

For me ideally I would like something early morning like dairy work, or something with harness racers. Harness racing in particular interests me greatly because I live across the road from the trotting club's training track, and there are a LOT of harness trainers in very easy walking distance from my house. My parents can only shuttle me to and from ONE job and I don't have my license yet so walking distance is a pretty big factor.

Either I have to find something that will fit in between showing and my current job, or I have to accept that I'm not hitting the show ring as heavily as I intend to.

The economy in Australia isn't great but at least it's not totally in the toilet like the US! We have unemployment rates somewhere around the 5% mark and falling, retail figures are rising... while a low unemployment figure means fewer jobs going, it also means better job security because it's harder for employers to find unemployed people.

Unfortunately for me nothing I'm really interested in pays particularly well so I'm just going to have to struggle through until I have the experience, feel and timing to train for a living. Or until I find a rich horsey husband


Last edited by blue eyed pony; 12-19-2012 at 06:43 AM.
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post #6 of 34 Old 12-19-2012, 07:32 AM
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Yeah its tough.

Especially with the studying problem. I want to study, so I need a job to support me, but then if I work I don't have the time to study or go to class.

But it could be worse. You have two horses. In the next couple of months I'm going to be struggling to keep my one and pay my rent.

Here is my advice that you didn't ask for :P Decide on what is important to you. Be really honest about what you want to achieve, not just now but in the next 5 years, 10 years. The life you want, and the life you can realistically and happily achieve. Then make decisions according to that. In 5 years you're not going to care about that bridle you bought, and probably not even those shows you didn't go to. Or you might. Good luck :P
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post #7 of 34 Old 12-19-2012, 07:45 AM
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IMO I think your priorities are skewed. You won't get by forever without rent or board. I think your focus should be on getting a better job situation rather than on your ribbon collection. You've got to get back in school. It will not get easier to get jobs with limited education as you age.

I worked a job that I was pretty close to loving for very little pay and now I'm in a job I hate for much better pay. Guess where I'm sticking? With the job I'm in now, I can afford my own truck and trailer. I can afford to go to clinics and take lessons all over. I can afford to save up and make a big purchase or put it on a credit card and pay it off. With the horse job I couldn't afford any of those things. I was with my horse all day and I cherished that but it was hard to not be able to do anything or buy anything. I will be done with my degree in May and out of all the classes I had to take, only six required me to be in person and two of those I opted to take the classroom version over the online version. Once I'm done I can job hunt again and I will be making at least $20k more than where I am now - and where I am now was TRIPLE the horse job.
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post #8 of 34 Old 12-19-2012, 08:02 AM
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Flame me for this, but your parents take you to your current job, and your worried about having more money for shows? I guess I just don't understand. There comes a point where you become an adult and you have to make new priorities.
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post #9 of 34 Old 12-19-2012, 08:05 AM
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Im not trying to be rude or forward but I think you should stop showing for a little bit and get back in to school. Once you have a better job you can show all you want.
Im in college I have a goal. I work,go to a community college, and have horses. You can do it to it just takes time.
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post #10 of 34 Old 12-19-2012, 09:12 AM Thread Starter
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I'm just lucky I don't have to pay rent I think. If I did I'd be utterly screwed. I couldn't possibly afford rent on my incoming funds let alone food, bills, etc. And I can totally forget having horses at all if I move out at this point in time.

It's not like I'm on the bones of my butt, I can afford the essentials for my lot, it's just kind of frustrating not REALLY being able to afford to progress my dressage. I know what it's meant to feel like, having ridden an FEI schoolmaster, but I haven't got a clue how to GET it to feel like that, particularly with a long backed weak loined straight-hocked maybe 1st-level horse. I'm so jealous of my mother right now because the horse she's just taken on feels SO much more correct than Monty... and is a 9yo OTTB that is petrified of everything and doesn't have a clue about flexion! Ben has so much potential just sitting there and waiting to be used... although Mum's really a better person to help him find his niche than I am. She has a lot more experience with the nervy ones.

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