I'm also a mom and I agree with beautiful bay. These are the things that I had my daughter do before she could buy a horse.
She volunteered for 3 years (over 1000hrs a year) at a girlscout camp in our area that has horses. There she not only improved her riding skills, she learnd to feed, groom, muck stalls, clean tack, etc. Everything that goes into horse ownership. I wanted her to know how much WORK goes into owning a horse.
She saved up 1/2 of the price of the horse.
She was also an honor roll student.
Basically, she had to earn the right to own one. Begging and pleading does not work with me. That is the FASTEST way NOT to get something in our house. 8)