If your mom thinks buying a horse is expensive, that's because it is.
I mean this is the nicest way possible, but you're in middle school, so you probably don't understand just how much work and money a horse needs. My parents never bought me a horse or let me lease one - I started when I was 3 years into college, working a stable enough job to afford it myself. I'm 21 years old, been riding since the age of 5, and I JUST started to take the responsibility of a horse into my own hands.
Leasing would be the better option for you. In a lease, you pay a monthly expense to be able to ride someone else's horse. That's usually it. In most leases, you don't need to pay for food, vet, dental, farrier, etc. If you were to buy a horse, you'd have to...
1.) First off, BUY the horse itself. This ranges anywhere from $500+. You would pay the bare minimum of $500 for an unbroken, untrained horse that knows nothing about being ridden. You don't want that at your age. Considering you're a young rider, you'd want to buy a horse with years of experience being ridden and a horse that's practically bombproof. A good, young schooling horse will most likely be around $3,000-$10,000. If you want a horse that is young and has potential to take you somewhere in the show ring, you're looking at more than $10,000.
2.) Pay to board your horse somewhere. If you want to take care of your horse yourself, meaning turning out at 6/7 am, feeding, and then turning in at 6/7 pm, feeding again, mucking his stall, blanketing, water, etc., you can pay anywhere from $150-$300 a month. I'm assuming you're in school, so you'd want someone to take care of your horse while you're away. These barns are more common and not to mention, more convienent for you. There are places that turn your horse in and out, clean his stall, blanket him, and feed him (this is called full board) for anywhere from $400-$1,000 if you want to get really fancy.
2.) Pay to buy your horses hay and grain. This is a monthly expense that varies.
3.) Pay for bedding for your horses stall. This is also a monthly expense.
4.) Your horse needs a vet. You need to pay for him to be dewormed, vaccinated, and he needs regular checkups. Not to mention, you NEED cushion in your bank account to afford an emergency. Horses are susceptible to colic, injuries, poisoning...the list goes on and on. And emergency surgery is NOT cheap. I mean upwards of the low thousands. I would not buy a horse if you don't have money to afford a very expensive and unexpected surgery.
5.) Your horse needs to have his hooves trimmed and probably shoed. You need to have the farrier come out every 6-8 weeks and they're not cheap, either.
6.) Your horse needs his teeth floated, or filed down, every 6 months - 1 year. Depending on the condition of his mouth and teeth, how much sedation he needs, this can quickly and easily reach mid hundreds.
7.) Your horse needs blankets for the winter if you live in a cool climate and coolers for the hot summer. Probably a fan for his stall, a fly mask, a halter, a lead rope, and most likely wraps or boots for leg protection. Grooming supplies, including shampoo, conditioner, all types of brushes, a hoof pick, you name it. Water troughs, feeders, stall toys, etc. These things...yup, you guessed it. Not cheap!
8.) On top of all the things your horse needs, if you plan on riding, you need riding gear. Not sure how much you own already or if you use stuff at your barn, but you need riding pants, a good helmet, a few good shirts, paddock boots, tall boots if you plan on showing, gloves, etc. And last but not least...you need a saddle that fits you and your horse well, ranging anywhere from $800-$6,000 if you want a quality saddle. You need a few different saddle pads, maybe a withers pad. You also need a bridle that fits your horse, a bit, and reins.
Your horse needs daily attention, care, and he requires an incredible amount of money. Plus - again, no offense - you are very young.
Leasing is a better option for your age and where you're at financially. You have the freedom of riding a horse but very little of the responsibility of owning one. Leasing is not cheap, either, but it's certainly not owning a horse. Please try to understand that your mother would probably love to let you own a horse, but she's an adult with financial needs and responsibilities. Whether or not you believe a horse is a need, it's not. It's solely a want. We all make sacrifices for the things we want, but maybe your mother can't afford you a horse at this time. Maybe now you can show your mother you're responsible with good grades. Or, once you get older and have a job, you can show her you can pay for a horse with the money you earn. Good luck and happy riding. :)
Last edited by kelseyannxo; 07-11-2015 at 08:12 PM.