I've found a great little family-run boarding facility about 20 minutes away from where I live. $150 in the summer gets pasture board, all feed (aside from special supplements), full use of the riding facilities and free access to the barn. This barn also has no visiting hour restrictions - as long as I'm safe, I can come and groom my horse at 10pm or camp over night. It's pretty sweet. Board goes up to $200 in the winter for obvious reasons.
Now, I'm looking at horses that can tolerate being barefoot. I don't intend to do a lot of riding on hard surfaces and I'm of the mind that barefoot horses have less problems with their feet in the long run. I am aware that one has to trim and keep the hooves nice, and that's a cost that comes up every 6 weeks or so. Trimming is pretty cheap from what I remember.
Given the fact that I'm going to be starting this horse from scratch, having a saddle is not a pressing matter at this time - it will be in the next couple months, however, and I am watching consignment stores for a good deal on an English saddle and it's fittings. However, I will need halters, lead lines, a bridle and grooming supplies.
Vet fees are covered, as I have an account where I pay into monthly and use as necessary for all my animals.
Gas to get to the farm.
I don't need fancy clothes, but I'm going to invest in a pair of steel toed boots. I've had my feet stepped on enough in the past to realize that steel toes will be my very best friend.
Am I missing anything? If you don't mind, what do you pay monthly to keep your horse? Ball park figures are great to help me set a budget.