Well the longer it takes me to find exactly what im looking for the more i'll have saved up to possibly buy one outright, or make a larger deposit.
Exactly! So just hang in there and keep looking.
A lot of people feel that if you can't buy a $1500 horse outright, then you probably can't afford to feed it or care for it properly. I don't agree, right now, not only couldn't I, I wouldn't because of the drought. I paid a lot more than $1500 to get my hay in for the year, so I'm cash strapped right now. But since I have my hay in, I could easily afford the farrier and well, if it's one of mine, somehow there's always money for the vet if really needed. Most horse folks that are worth a hoot, are pretty much the same way, unless they have a LOT of money. So I'm always happy to try and help someone find a way to buy the horse of their dreams and that doesn't mean giving a different price once I've negotiated the sale.
One of the car buying tips I read many years ago was to negotiate the sale price before you discuss financing. The MOST favorable way to get a good price was to have your own financing in place (if you couldn't pay cash) before you went shopping. That way you're approved and know your budget.
When dealing with a sale, I treat it the same way. We negotiate the price, then we negotiate the terms. Here, if I sell you a foal not yet off its momma, then you can pay 1/2 board on the mom until the foal is weaned. If its weaned, you can pay board. I don't understand folks who get all wrapped up in this price now, that price later, it just costs them a sale. The horse stays here til paid off and the buyer pays for any care, including board. I get cash, though not necessarily in hand right now, and the horse is off my grocery bill, vet bill, farrier bill, immediately and the buyer gets their horse. What's not to like? LOL!