Monthly Expenses

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Monthly Expenses

This is a discussion on Monthly Expenses within the Horse Talk forums, part of the Keeping and Caring for Horses category
  • Monthly horse expenses
  • Horse expenses spreadsheet

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    02-23-2011, 06:31 PM
Monthly Expenses

I plan to own a horse in the future, so I was planning ahead by making a 'sample', I guess you could say, horse budget spreadsheet. So, what kind of monthly expenses do I need to include? Board, Vet, Farrier, etc. Thanks!
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    02-23-2011, 08:03 PM
Board varies quite a bit in every region. Here it ranges (for an indoor with all feed/hay/mucking included) from $400 to $700. Farrier is approx $30-$80 every 6-8 weeks. Vet costs vary too - what shots do you get every year? Does the horse have any preexisting issues that will require additional services? My horse has her teeth floated with power tools every three months because of her (terrible!!) dental issues. I'd budget $50/mth ($600/year) for vet. Dewormer is about $20 every 4 months. You'll need a budget for replacing equipment, buying treats, upgrading tack, etc. Don't forget lessons!

Also, if you're an adult, you'll want 2-3 months worth of expenses saved in case you lose your job, your car breaks down, your hours get cut, etc. Horses still need to eat when you're short on cash!
    02-23-2011, 11:14 PM
Yep. Board, Vet, Farrier, Insane Tack Obsessions, depending on what sort of board you get you may have to take in to account Feed and Hay, if you Supplement you'll need to pay for that as most Barns will not cover that expense. Blankets, sheets, more insane tack obsessions. Depending if your showing take in to account Memberships to differant federations as well as show fees. Ahh yes, lessons, dental work{i've never done any in 9+ years but some people do}.
    02-23-2011, 11:19 PM
Wormer (not every month)
Tack Fund
Vet/Dental Fund
    02-24-2011, 01:51 AM
Hey there! Good for you for doing this! I wish more first time horsey parents would take the time to sit down and actually FIGURE out the budgets! So good for you!

What I tell my clients is once you figure out where your going to board your horse (if you have a fav barn or a trainer you want to put your new horse with), if your going to keep it at home you need to figure out how much it will cost to fence and horse proof your property (again if your going to keep it at home with you) also with that hay and grain. I suggest boarding your first horse for a least a year so you can learn all the skills and what to look for as far as colic and things.

Then of course you need to figure shots/worming, vet care and farrier.

Then buying tack and brushes and blankets etc that's not really in a month budget I guess LOL

So lets see thats:


And then training for the horse, lessons for you, if your going to show you will probably have to join a club or organization, entry fees etc. also as someone else mentioned budget for emergency's. We have a credit card that's ONLY used for the horses and nothing else.

Also if your an adult I agree with what BeauReba said!

Hmmmm I think that's it!

OH and you should also look into insurance! Trust me at least the colic part is more then worth the money! Nothing like a 5k or more vet bill for colic!
    02-24-2011, 10:22 AM
Everyone has it pretty much covered for ya'. :) I thought I would suggest something, though.

Pre-Spend. Set the money aside (the total it would cost you to own a horse) every month in a safe place and act as if it isn't there. It's good for two reasons:

#1. You'll find out if you can pull off the expense of owning a horse or not without having a living creature to worry about if you decide you can't

And #2. If you decide you can afford it, you'll have all that money you stashed aside to go toward your new horse
    02-24-2011, 12:37 PM
Firstly endusre your ready and can afford a horse right now.

Cost for one horse for me works something like this(in euro)
I keep at home but have boarded at 1000 per month
Farrier-every 6 weeks if shod or less if barefoot(useful money saving skill to learn if possible)75 every 3 months
Vet- I try to avoid vet and do alot if care myself otherwise if concerned I do a phone call. Also inject your vaccinations yourself as this saves on call out fee. 50 a year roughly
Feed- keep feeding as simple as possible don't supplement unless needs be. If you are not working the horse hard then don't feed hard feed it will save you a fortune48 a month
Hay- this can be costly if you don't buy in bulk 50 every month
Bedding- I use a combination of rubber matting and straw 25 a month.

However I would ask a friend in a similar situation roughly how much you need to put away to budget for so at least your prepared. Costs vary hugely depending on the type of set up your looking for.

You will definitely need certain things for the first few months you can get by without bits and pieces though

For the first 6-12 months I would have
Saddle(if you can get a horse with tack and equitment included that's a huge bonus)
First aid kit (great thread on her outlining what people use and find helpful)
Grooming kit
Head collar and lead rope

This will get you buy for a while then you will start adding to it slowly
    02-24-2011, 04:27 PM
Originally Posted by phoenix heartbeat    
hey there! Good for you for doing this! I wish more first time horsey parents would take the time to sit down and actually FIGURE out the budgets! So good for you!
Thanks! I'm glad I'm smart enough to look at what I would be getting into.


Thanks for all the help! :)

I can't believe some regions cost $1000 for boarding, that's just...crazy. Here I look at around $350. I also hope to get a barefoot horse, and keep it barefoot. We have Healthy Stride around here, which I've seen on a friend's horse that is amazing! I also hear that teeth floating without power tools is cheaper too, and just better (at least to me - I wouldn't want a giant power tool in my mouth). So, the combination of those two will cut costs a little too.

Basically, now I need to find a job (I'm 15 1/2 - don't let age define me! LOL) and save up a couple grand.

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