Honestly, while the OP is young, and has a lot to learn, I think she's mature for her age and willing to work hard to accomplish her goals. It may take a bit of trial and error to find out everything she needs to know about owning a horse. We all went through that. Yes, she's young. BUT she's ambitious, and that's good.
We're not trying to criticize you - we're just trying to share our knowledge with you. When I was 13, I was saving up to buy a horse too. But the fact is, you can't work "on the books" when you're 13 - people can't legally hire you at a business. You can do odd-jobs for pay, like clean stalls, mow lawns, exercise horses, and sell things you make, but you can't ALWAYS count on that to be stable income. You know?
Believe me, I tried it, girlfriend. ;]
I'm glad that you're saving your money to make your horse-owning dream come true - just remember that after the horse is purchased, you gotta keep bringing in the money. There's actually a thread on here somewhere about the monthly and yearly costs of owning a horse.
Board - $150-$500/month.
Feed - $10-$25/bag - not sure how many bags per month, we dump ours in barrels.
Vet - TWO of my five horses just had their teeth floated and their shots, and it cost $586. The cost of emergencies will vary - but it will be expensive.
Farrier - $40/horse (barefoot) every 6 weeks.
Wormer - $15/horse every three months.
Bedding - $5/bag, 6 bags per stall, every month.
Hay - $4-$7/square bale, about a bale a week/horse.
You'll also need tack and grooming supplies, which, while are a one time purchase, are expensive to boot. Depending on where you live, you'll need winter blankets (which run about $100 each.) I live in Texas and I've got them for all five of mine.
They're costly animals. Keep that in mind. :]
But don't give up - your horse is out there somewhere, and when you find him or her, you'll be ready. Don't worry.
Last edited by LeahKathleen; 03-27-2009 at 02:53 AM.