Loving the Lame Horse - Page 6 - The Horse Forum
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post #51 of 91 Old 08-03-2018, 07:38 PM
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Originally Posted by thecolorcoal View Post
you know dream, now that i think of it, one of the reasons we moved to the new barn is because they are large and host "vet clinics," where a vet will waive a call fee in exchange for doing 20-30 clients a day. it's pretty awesome. i'm going to their natural balance float. I did the same clinic last year at another barn and it only cost me $350. The procedure was pain and stress free and they were able to cut a button tooth out of tyra that had been bothering her with bitting! I was thrilled.

Usually i have some dispensible savings for vet visits. I always save ahead of time for vaccines and shots but I am not always financially prepared for emergencies, like when we had the EHV outbreak a month ago.
Oh I get not being prepared for emergencies. It happens to med on a fairly regular basis. Since I have 10 horses, plus or minus, at any given time, I TRY to keep at least $1000 set aside for horse emergencies and a separate $1000 for household/vehicle emergencies. But when you get it with that emergency vet bill (like when I had 8 horses down with strangles and one in ICU with a trach in his throat) that $1000 goes up in smoke before you can whistle "Dixie". And then if, God forbid, you have another emergency before you get that fund rebuilt.....you can be in a real tough spot.

I'm fortunate that I have 2 vets (the vet school and a private vet) that I use regularly and can call them up and say, "Hay, I've got this going on, but I need to let you know I can't afford to pay you up front today. I can pay the entire bill if you can wait until Friday.". They both have dealt with me long enough that it's always "Don't worry about it, bring him in." or "We'll be right out, don't worry about it, we know you.". But, I've been doing business with the vet school for almost 20 years, and allow them to bring a TON of students when they come out here, or allow them to do just about any non-invasive procedures they want when we go in, so the students can learn how to do things. I also let the students come out and help with foaling if they want to, otherwise, many of them may not get to see a newborn foal in their whole time at school. Same thing with the private vet, I met her as a first year student at the vet school, about 18 years ago. They all know me, my horses, where I live, my husband, where he works, and we all socialize at various things too. Having a track record with your vet really helps in the long run.

That's one of the benefits of being in a big barn, they can get little things like a fee waiver because of volume of clients. Or splitting the farm calls with multiple clients if it isn't totally waived. And having educational clinics is always a great way to learn stuff too.
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post #52 of 91 Old 08-03-2018, 07:41 PM Thread Starter
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i hope to own my own property someday. it sounds wonderful :)
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post #53 of 91 Old 08-03-2018, 07:53 PM
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i hope to own my own property someday. it sounds wonderful :)
LOL! TRUST ME, having 8 horses down with strangles, one in the ICU and 2 mares in the foaling barn who foaled in the middle of this whole cluster and praying they wouldn't get cross contaminated was not wonderful at all. Also the extra work of turning the big barn into a "Dirty QT" barn and keeping the foaling barn a "Clean QT" barn, and making sure "dirty" horses never passed over "clean" ground to get to "dirty" pastures, all during the heat of a brutal summer just about broke me. I wouldn't wish that on my worst enemy. It was a disaster. But the costs of that little escapade were horrendous. Nobody has enough emergency money to deal with that, and I don't know if Care Credit would even issue a card in an amount sufficient to cover all that treatment. It wasn't so much the cost of the QT materials or the initial diagnosis that was so awful, but EVERY horse had to culture clear 3X before the farm quarantine was lifted. So that was 30 scopes and 30 cultures and that didn't even include Skippy's hospitalization in a QT ICU. I went through more Banamine that summer than I have in the last 20 years, and more Nolvasan.......HOLY MOLY! I never want to see that kind of thing on this place again.

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post #54 of 91 Old 08-03-2018, 07:56 PM Thread Starter
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the state quarantine for our ehv barn was pretty bad too. but interestingly enough our barn did NOT take it hyperseriously. the two horses who were sick were sent to the state university clinic and the horse who survived got a whopping 8500 vet bill (COUGH, BARN OWNERS PAID FOR THAT BILL!).
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post #55 of 91 Old 08-03-2018, 07:56 PM
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I agree with a few of the other posters about its nice to split the farm visit call amongst a few owners BUT we have one owner at our barn who will wait for the vet to show up to say, oh doc, can you just look at so and so's rash, and then play the "well I didn't call, he was already here" card. Now MOST of the owners at our barn, I'd gladly cover the expense for them because we are friendly and I know they'd do the same for me. But that one owner, she is the richest one there and clearly has gotten there by being a cheap you know what...

As far as the whole vet cost, its expensive. A farm call is 100, out barn requires all healthy horses to have a slew of vaccinations because one horse is deathly allergic, and inmunoconpronised. Dukes first vet was over 1300, plus his hock injections 2 months later for another 700, follow up exams, follow up xrays, farrier visit every 4 weeks, two unplanned emergency calls because, well I was totally uneducated on horse health. Now we know how much things can be when they go wrong and we try to prepare. We put money for board and vet expenses in a separate account, and put extra in there with each check. It adds up surprisingly quickly when you aren't focusing on it

I know how stressful money related stuff can be. But look at her as an investment in yourself. Yes, I know horses are an investment that will never pay you back financially, but think of everything else you get our of her!

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post #56 of 91 Old 08-03-2018, 08:00 PM Thread Starter
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@twixy79 , i actually downloaded a budgeting app. I was in the red again and again every month. now i know exactly where these bills are going. i have cut my food budget WAY back. Changed the grain budget and feeding regiment to save some money. Removed some extra training things i don't need and STARTED a savings account finally. I just did the math - I will be prepared for our vet bill in september.
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post #57 of 91 Old 08-03-2018, 08:05 PM
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Originally Posted by thecolorcoal View Post
@twixy79 , i actually downloaded a budgeting app. I was in the red again and again every month. now i know exactly where these bills are going. i have cut my food budget WAY back. Changed the grain budget and feeding regiment to save some money. Removed some extra training things i don't need and STARTED a savings account finally. I just did the math - I will be prepared for our vet bill in september.
Dave Ramsey is fond of saying, "When you have an Emergency Fund, Murphy rarely comes to call. When you don't, he moves into the spare bedroom and is harder to get rid of than your mother in law.".

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post #58 of 91 Old 08-03-2018, 09:01 PM
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Originally Posted by Dreamcatcher Arabians View Post
Dave Ramsey is fond of saying, "When you have an Emergency Fund, Murphy rarely comes to call. When you don't, he moves into the spare bedroom and is harder to get rid of than your mother in law.".
I don't think that's true. It's just that your emotional response to unexpected expenses changes when you have reserves.
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post #59 of 91 Old 08-03-2018, 09:35 PM
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I feel you. I'm like... not down by nearly £5k due to vet bills and upcoming scans etc this month alone. Nope nope. I'm totally not. Thank goodness for an insurance buffer.
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post #60 of 91 Old 08-04-2018, 01:12 AM Thread Starter
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Now that I got my rant out of the way, making a quick phone post to brag about our AMAZING trail ride today with Robin and her horse Kitty. Kitty is an older mare who was put out to pasture and is now getting ready to sell. Robin’s putting a month or two on her under saddle. She comes from a western pleasure/reining background. Her stall is right next to mine. She thinks the story of Tyra and I is interesting and is going to help us be more confident out on the trails.

Today we went on the shorter property loop. We worked on Tyra being ok with horses in front and behind. I told robin about the bucking. “you’ll probably never be able to fix that,” she said. “She’s a thoroughbred. Expect that.” It helped,because if I know these instances are just what happens I can learn how to sit and react to them better.

We got to a long stretch of rough terrain and robin asked for me to trot. Cautiously I did. Tyra was fairly reluctant to start. Usually I am hauling on her mouth asking her to hold back, but today I wanted her in a new gait. I knew she wouldn’t bolt but sometimes she can go like a standardbred and trot trot trot away without a stop in the world!

She was AMAZING! We went way further than robin originally expected and trotted the entire trail length home. When we came back to a walk Tyra was willing to come back to me. I was in awe. IF the x rays show bad news robin and I are confident Tyra will make an excellent trail horse. Tomorrow we try the full trail!
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