dilemmas dilemmas [just venting]
 
 

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dilemmas dilemmas [just venting]

This is a discussion on dilemmas dilemmas [just venting] within the Horse Talk forums, part of the Keeping and Caring for Horses category

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        03-31-2014, 12:51 AM
      #1
    Trained
    dilemmas dilemmas [just venting]

    So I've just put Magic on the market. I need to move out of Mum's house asap and I just can't afford to do it if I'm pouring all my funds into my horse. Now I have a few dilemmas to deal with.

    Two friends of mine are very interested. One is a complete beginner rider but has an exceptional eye for spotting soreness when it develops. Magic has ongoing muscle issues which mean that someone with a good eye for soreness is going to be brilliant for her. But Magic is 3. While she's a quiet 3yo Thoroughbred, she's still a 3yo Thoroughbred and she still has her moments. The other, I have been teaching for a couple of years now, and she's doing really well [and has ridden Magic through a 'moment' before] but doesn't have the brilliant eye for soreness and there's just something about her that makes me nervous when it comes to her actually having a horse to have to care for daily. I don't know what it is. She's a good student and she listens well and does her best, she loves horses, she's ready for her own... I just don't know. But at the same time I know what it's like to really really want something and to be ready and able to have it and then find that I can't for whatever reason. I want to give her a chance but if I were to do that she would absolutely have to lease first, under close supervision.

    And THEN...

    There's this one horse... and I know I shouldn't... but I just can't get her out of my head. She's only a yearling, and not handled much because she's owned by a big Thoroughbred farm, but everything about her is perfect. I like horses that have little to no handling - it means I can start them MY way without having to retrain or undo someone else's work. She's sweet, bottom of the pecking order in the paddock, a wee bit shy, but there's just something about her that says 'PICK ME'. I've been very seriously considering going to her owners and telling them I want her when her racing career is over for a few months now. BUT I'M SELLING MAGIC BECAUSE I CAN'T AFFORD A HORSE IF I'M PAYING RENT AND BILLS AND ALL THAT.

    Moving out has to happen but is it worth expressing interest in this filly, knowing I wouldn't get her for a couple of years and I would only get her IF she didn't go to the breeding barn? In a couple of years I should be a bit more financially secure and I'll be 21 so my hourly wage will be a lot higher, meaning more money, meaning more disposable income. And it doesn't hurt an OTTB to spell for a while so even if I'm short on cash I can stick her in a spelling pasture somewhere. Much cheaper than anything else where I'm looking at moving to. Plus if I don't own a horse for a while, I can still ride [exercising horses for people would be an invaluable experience for me] and I don't have the expense of caring for it.

    I really REALLY don't want to sell Magic at all, and the girl who has the potential to be her perfect owner/rider is looking for a lease for now [there would of course be the option to buy at the end of it though]. The other girl, the better rider but less brilliant handler of the two, wants to buy, but I don't know if she could come up with the money OR afford to keep a horse without her grandparents' help and her grandparents have no idea how much horses cost to keep... Really neither is ideal but I think the first, the absolute beginner, has more potential to be just right.

    I'm just talking myself INTO the idea of going horseless for a couple of years until this yearling finishes racing {she obviously hasn't started yet, but chances are she will}, but I don't know what the most financially responsible course of action would be...
         
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        03-31-2014, 12:56 AM
      #2
    Yearling
    If you can't afford your current horse you shouldn't even be bothering to look at another.
    If you need to move out that badly, you need to get your life settled, again, before even thinking of looking at another horse.

    It isn't fair to the animal to be put in a situation where the owner is being selfish for selfish sake. Move on, and move out.
         
        03-31-2014, 01:10 AM
      #3
    Trained
    I'm not looking, she's just a yearling in a pasture near where my girl is boarded. But the best horses I've had just fell into my lap when I wasn't looking. And I WANT her. The mature part of my mind vehemently says "DON'T DO IT"... so I probably won't... but darn it's hard to ignore the larger part of my mind, the less mature more impulsive part, that says "GO ON, you won't get her for a couple of years and you can save up while you don't own a horse!"

    Honestly though if I'm just going to get another horse after selling Magic should I not just keep her [and lease her out so I still have that horseless period]?
         
        03-31-2014, 01:29 AM
      #4
    Yearling
    Again, it would be irresponsible if you get a horse when you can't even afford the one you have now.

    It sounds like you have a spending problem and can't control where your money goes.

    I have had opportunity after opportunity to buy a horse I really liked. But I never go for it because I down right don't have the funds and I know it wouldn't be even close to morally acceptable. I'd be writing a check I can't bounce. And that sounds like what you would be doing.

    In regards to leasing:
    Your horse is still a baby. A baby! Why would you consider leasing out a horse that isn't even fully broke? If you can't fund her, get her a suitable home instead of being selfish.
         
        03-31-2014, 08:19 AM
      #5
    Trained
    My finances are iffy because I ended up being hit by a lot of large vet bills in quick succession and I'm still paying them off [and not really getting anywhere] 18 months later.

    House rent here is ridiculous. Upwards of $400 A WEEK for 'just a house'. For a unit or apartment it's not quite that ridiculous, but it's still crazy. And I'm only getting a maximum of 16.5 hours a week [yes, that's at $18 an hour, but it's still not much]. THAT is why I can't afford to move out and own a horse at the same time right now. Australia is a very expensive place to live and my horse is costing me a lot. That being said if I do sell her I'll still have a large amount of money to pay off for her vet fees. She is not worth what I've spent on her. Realistically, she's a 3 year old Thoroughbred, and the market is crap. Yes, she has a lot of potential, and because she never raced she doesn't have all that track training to undo. There may be some holes in her training that a more experienced person could undo but I've done a lot of the hardest work. But she's still only worth $3000 at best [and in this market I could well be dreaming], which only covers part of it.
         
        03-31-2014, 10:08 AM
      #6
    Started
    First off, forget the yearling. She could easily end up not making it at the track and be available in less than a year. You are not in the position to horse shopping as the reason you are selling is a lack of funds. Or she could injure herself out at pasture and be available next month. Don't even put yourself in that position. It is time for you to focus on finding more hours at your job and finding an appropriate living situation.

    Which perspective home would offer your mare the best home and for the longest time? Go with that home, no home is perfect but guess what that is life. There are risks and both girls/women have had the chance to see your mare and know what she is. She is a green broke 3 year old thoroughbred, price her accordingly, don't hide anything about her behavior or skills and buyer beware.
         
        03-31-2014, 10:12 AM
      #7
    Weanling
    So you are selling your horse, a horse you put lots of time and training into and has lots of potential, because you have tons of vet bills on top of the fact you have expensive living expenses? And then you want to buy a filly that will most likely be raced and you will have no idea where she will end up? And even if you sell your current horse and if you do get lucky and get your asking price for her, it still wouldn't cover the vet bills? ....this sounds like a recipe for finacial disastor.

    You need to pinch your self and wake up from this dream. You have to put yourself first, take care of your housing bills, utility bills, phone bills, food bills, gas for car bills, insurance, etc. Horses come second as they are a hobby, unless you are making money by using your horse which I assume you are not. Horses have huge expenses too as you well know, vet bills can occur at any time. Your filly could colic or go lame or get an illness so fast your head might spin. And if they don't, count your blessing. But then there is their upkeep, board costs, hoof trimming every couple months, vaccinations, health checks, any special feed or supplements, chiro visits, teeth floating and so on and so forth. AND you already said that you can't afford the horse you already have. If you can't afford the hobby then you can't keep doing it. You can't lease a horse if you can't afford the monthly fee nor can you keep a dog or cat if you can't afford to feed it. And you can't keep a car if you can't afford the payments. Just like you can't afford the rent you don't get a roof over your head. Tis the way of the world. It sucks but that is life.

    It is hard to have to sell an animal you are attached to, one you love and care for but, you have to be responsible, you have to do what is best for both. You have to be an adult. Can you finacially take on another vet bill? No? Then do what's in the best interest for both you and the horse and sell to someone who can take on the financial burden of horse ownership.

    As for the filly, don't even think about it. Its a poor mans dream. You don't know what the next two years will bring either you or the filly. You may or may not be finacially capable of owning a horse in two years time. And the filly, depending on her race career, she could end up anywhere. She probably won't be the same horse you know her as today. And there will always be dream horses. They come and go. Yes we'll think of them from time to time, fill our hearts with longing and "what if"s but the right horse will come along when you are really ready when the time is right. And right now is not the right time.

    Its time to be serious and take a good hard look at the truth and do the right thing for you and the horse. Good luck.
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        03-31-2014, 11:41 AM
      #8
    Trained
    Thanks all - you've all told me what I needed to hear. I may not like it, it may not be what I wanted to hear, but it's what I needed.

    So what I'm thinking now is that I'll let the first girl take Magic on lease [the more inexperienced rider but better handler] but that I'll give her lessons until she's got a nice solid position. She already has a lot of natural ability for handling 'situations' and once her position is good I have confidence that she will be able to handle Magic even if she has a 'moment'. She isn't looking to buy at this stage, but I seriously think the other girl is probably dreaming and if not, I'm not 100% confident that she'd provide a good home. Whereas I know the first girl will, and she'll either let me have my horse back in a couple of years or buy her, either way Magic won't be my financial responsibility for a couple of years, thus removing a good chunk of expenses and meaning I'll be able to pay off my debts [from her! Bloody horse haha] more quickly.

    Meanwhile so that I can still keep riding I'll see if I can find someone who wants their horse/s exercised or just wants a riding buddy. I don't care what I get put on, I just want to ride. If I can't ride I'm that much more likely to give in to my impulses and end up with some random free horse that I can't afford, so I need to find a cheaper way of getting my fix.
         
        03-31-2014, 11:48 AM
      #9
    Green Broke
    Sounds like Magic has had an awful lot of riding for a 3 year old.
         
        03-31-2014, 12:14 PM
      #10
    Started
    I agree with what the others have said about staying far, far away from owing any other horses until you are in a much more stable position financially.

    It sounds like you have a decent amount of experience as a rider. As someone who also has a fair bit of experience, I can assure you that it is usually pretty easy to find horses to ride. There are plenty of owners who would like for their horses to get more saddle time. Most recently, I was given the opportunity to ride several horses that were a part of a lesson program. It was mutually beneficial because I got to ride some really cool horses, and they were getting a little "tune up" from a more experienced rider.

    I would only caution that you don't get roped into essentially training someone's greenie for free. Some owners will find out that you're a skilled rider and will offer up their "problem child" as a free ride.
         

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