In a horse-buying funk :/ - Page 2 - The Horse Forum
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post #11 of 24 Old 11-06-2013, 11:42 AM
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That's how I managed to get Stilts, same situation almost! Doesn't hurt to ask :)
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post #12 of 24 Old 11-06-2013, 11:45 AM
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Join Date: Apr 2013
Location: Baytown, TX Close to Houston
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This might sound dumb to some people, but I used to be the exact same way as sorrel horse, when I was younger. If I wanted something real bad and didn't get it, I felt like my world was ending. I no longer feel that way at all. I have accepted the fact that some things are just not meant to be, and everything happens for a reason. All you can do is try your best, and if nothing works out, as hard as it is, don't continue to stress yourself out about it, just let it go, and move on. I hope it works for you.
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post #13 of 24 Old 11-06-2013, 07:25 PM Thread Starter
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Join Date: Apr 2009
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Money situation is looking a lot better now. The barrel race thing is a difference between a couple hundred dollars every weekend, as opposed to a couple a month, and I'd be willing to drop the racing season in order to pay for the filly. I don't think I would have to do that now though with the recent changes.

He wants to sell the five we have now to buy ten two year olds. The man doesn't care about the money, he tells me all the time...It's just so hard to approach him about anything. I live with a farrier now so shoes are all free. I just sold a saddle, a horse, and a trailer plus got some more clients.

I want to approach it like this: Payments, plus work such as cleaning stalls (Which I don't do right now, I only ride at the moment). I'd also be willing to ride a couple of those new colts for free/at a discount until her purchase price is paid off. I mean, it's not like he doesn't see me six days a week and know where I live. There's no reason for him to think I would be dishonorable, and of course I never would anyway.

That friend of his is coming out to spend a couple days here starting tomorrow...Fingers crossed he can get the convo started and I can jump in, or he can back me up. I get nervous talking to the boss because he's intimidating. Sigh. Good thoughts, good thoughts...
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Pssh.I didn't pick up the wrong lead
It's called a counter canter...
...A very advanced maneuver.
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post #14 of 24 Old 11-06-2013, 07:33 PM Thread Starter
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Quote:
Originally Posted by gypsygirl View Post
Could you afford to take out a loan?

She is very cute!
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I've thought about that actually...Does anyone have thoughts as to this being a good idea/bad idea? :/ I'm not very experienced but I guess there's no time like the present.

Pssh.I didn't pick up the wrong lead
It's called a counter canter...
...A very advanced maneuver.
SorrelHorse is offline  
post #15 of 24 Old 11-06-2013, 07:50 PM
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Quote:
Originally Posted by SorrelHorse View Post
I've thought about that actually...Does anyone have thoughts as to this being a good idea/bad idea? :/ I'm not very experienced but I guess there's no time like the present.
If there is any way under the sun to get her without a loan (I'm referring to a bank loan not a personal loan) DONT do it! You'll pay so much more in interest. It sounds like you have some good options with the boss...go that route first- stay out of debt (a lesson I wish I learned long ago!)
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post #16 of 24 Old 11-06-2013, 10:07 PM
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Join Date: Jan 2013
Location: B.C
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I remember a lesson my dad told me "Never buy a toy (quad, snowmobile, horse, ect) unless you can pay cash for it". Mainly because if you get a loan for it your going to be paying a ton of interest on top of that, and it wont technically be "yours" until you make that last payment. Me personally I don't think I could do payments on a horse, cus I would feel "owned" by the seller until it was paid off. But hey if its your dream horse I say it cant hurt to ask about doing payments, you would be surprised at how many ppl are more then willing to work something out or come to a mutual agreement.

I hope everything works out for you, and you can somehow get that cute little girl
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post #17 of 24 Old 11-06-2013, 10:21 PM
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One thing good about getting a loan is that you can build your credit, even if you do end up paying more, it can help you in the future.
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post #18 of 24 Old 11-06-2013, 10:33 PM
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If you get a loan it should be 1. For something you need... People need to go to school, people need a house. Most people need a car. When I got into school I needed a laptop. I got a small ($410) credit card. 2. The item your buying should be within your means. Meaning if you work at McDonald's you shouldnt take out a loan for Mercedes.

It's a bad, bad idea to buy this living toy with credit. Horses are luxury items, either you have the money or you don't. There is no point in putting yourself in financial jeopardy over a horse. Horses come and horses go. There will be another one and a right time to act upon it.
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post #19 of 24 Old 11-06-2013, 10:42 PM
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Join Date: Oct 2013
Location: LA
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She's bloody adorable! I'd ask about payments/working it off. The last horse I got came about at such a perfect timing, I really didn't want to say no, she was the color of my barrel horse in high school, bred the same way, down to a t what i wanted, and not a week after I decided to start looking for one. Only problem I found her at the start of breeding season, when I didn't have spare money. Luckily, her owner, also my breeder lol, cut me an awesome deal and let me make payments on her. Never hurts to ask, but again, make sure you wont be stretching yourself too thin. Good luck!
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post #20 of 24 Old 11-06-2013, 11:35 PM Thread Starter
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One thing is that I would finish her and go hard to show her. She's a caliber of horse that is going to show Worlds and win lots, boss says so and I agree. She already pulls out bigger moves than some solidly broke horses. So it's one of those things where you need a big gun horse to win, and she's one of those big gun horses. She wouldn't just be my own pleasure mount like Selena, she'd be the one I put time into to make a serious competitor.

I sent an email to a gal I know who might be willing to pay half up front for a co-ownership, where I would still be putting time on her, show her, and then give her the breeding rights. She approached me similarly about a filly a year ago but we weren't in the position to do it then. I'm hoping her offer could be transferred to this little filly.
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Pssh.I didn't pick up the wrong lead
It's called a counter canter...
...A very advanced maneuver.
SorrelHorse is offline  
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