Does this sound correct in terms of horse ownership? - Page 2 - The Horse Forum
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post #11 of 35 Old 01-06-2015, 11:36 AM
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You may be able to cut farrier costs if you go barefoot. In my area, $150 is a full set of new shoes. I pay $40 for a trim, no shoes, on a four- five week rotation. I use EasyBoots for those days I want to head out on a trail ride over rocky ground. ($175 for a pair, should last six months to a year, not including new cables every three months or so)
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post #12 of 35 Old 01-06-2015, 11:36 AM Thread Starter
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Quote:
Originally Posted by Asimina View Post
I would raise the price of the saddle/girth/stirrups. I just finished getting my lease horse a fitting saddle, girth and new stirrups, and it was nowhere near 500. The saddle was 1500, girth and stirrups came to just under 75. Each fitting session cost $100, and we've had 2 with one more in another couple months. Plus we're getting the flocking readjusted in a couple months, so that's an extra expense. So about $2000 total to get a nicely fitting saddle for the horse. Finding a secondhand saddle might save you a lot of money, but it's a crapshoot in terms of quality and fit of the saddle. It's worth it to spend the extra bucks on ensuring a good saddle fit. If you do decide on getting a secondhand saddle(because money!), I would still suggest hiring a saddle fitter to advise you. :)
I am looking at a secondhand saddle because there is always a lot of almost brand new horse equipment for sale at very low prices, simply because the parents buy a horse for their child after a few lessons and the child ends up losing interest quickly. I'm still going to get a saddle fitter out though, that's something I completely forgot about! Thank you.
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post #13 of 35 Old 01-06-2015, 12:25 PM
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Quote:
Originally Posted by Asimina View Post
I would raise the price of the saddle/girth/stirrups. I just finished getting my lease horse a fitting saddle, girth and new stirrups, and it was nowhere near 500. The saddle was 1500, girth and stirrups came to just under 75. Each fitting session cost $100, and we've had 2 with one more in another couple months. Plus we're getting the flocking readjusted in a couple months, so that's an extra expense. So about $2000 total to get a nicely fitting saddle for the horse. Finding a secondhand saddle might save you a lot of money, but it's a crapshoot in terms of quality and fit of the saddle. It's worth it to spend the extra bucks on ensuring a good saddle fit. If you do decide on getting a secondhand saddle(because money!), I would still suggest hiring a saddle fitter to advise you. :)
Secondhand doesn't meant quality is poor or won't fit rider/horse. I've bought all my saddles as used (but good condition), and have then had them fitted/reflocked as needed. Never had a problem.

That said, having an actual fitter out is a good idea, but it does not mean you need to buy directly from them. They can give you a good place to start as far as brands go, and then you can go from there and possibly find something used in the same brand and make for less $$, and have it fitted as necessary.
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post #14 of 35 Old 01-06-2015, 12:27 PM
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You might also present some different scenarios instead of just buying a horse- tally up the costs for leasing or part-leasing as well. Often with a lease the horse's owner will let you use their tack, blankets, brushes, etc. so there's less up-front cost. Part-leases in particular are often a flat rate paid each month, so very predictable and inexpensive compared to owning, and there's usually a way to terminate if the horse gets injured/ill so you don't keep paying for a horse you're not able to ride. (But of course keep in mind that the terms of each lease are different and it goes down to whatever is written in the contract that you/your parents agree to sign)

“The horse is a mirror to your soul. Sometimes you might not like what you see. Sometimes you will.” - Buck Brannaman
"Nothing forced can ever be beautiful." - Xenophon
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post #15 of 35 Old 01-06-2015, 12:50 PM
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I had done something very similar when I was your age. I admire your initiative! Just please, even with all of the work you are putting into learning, and gathering figures for them, Do not be heartbroken if they still say no.

My dad used to always say he could afford the horse, he just couldn't afford the care. Now that I am grown and have a horse of my own, I completely understand where he was coming from!

Anyway, do you have chores around the house? Maybe you could 'up the ante' by offering to do more to help your parents? And possibly see if you can work some of the board costs off by helping at the barn as well. You may have a better shot at this if they see you willing to do whatever you can to help save on costs.

Good luck! Keep us posted!!!
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post #16 of 35 Old 01-06-2015, 04:47 PM
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Quite honestly, if I had a child and they came up to me with a powerpoint or list of every single expense they wanted me to pay on a weekly/monthly basis it would feel like a stab to the heart. Unless your parents are very well off and do not have other costs of living/raising children/other payments/etc, those numbers may not mean much to you but those are some very serious and burdening expenses. A horse is a huge financial burden and its not just the expected costs that add up but the unexpected ones as well.

Do your parents have the funds to pay for when things don't go right? For example, what if the most suitable horse you can find is outside your price range? It seems your parents do not want to compromise on the cheapest cost of horse ownership which is the cost of the horse itself. I don't know how the market is in your area but $1500 will typically buy you a unbroke or horse with issues (training or health) in my area. What if you cannot find a used properly fitting saddle within your price range and need to crank out some extra money on a new one? What if your horse becomes lame (diagnostics and treatments can easily run into the $1000s depending on the severity). What will you do if your horse is unridable? What if your horse colics and needs surgery (colic surgery itself w/o hospitalization fees and aftercare typically run about $10k minimum with a down payment of $5k)?

Even if these things do or don't happen you still must account for them and be very upfront and honest with your parents about the costs that may incur with horse ownership. Your parents do not want to spend more money than they have to which they will easily and eventually end up doing with horse ownership. Time also seems to be an issue in your case. Horse care will end up eating far more time in your schedule than you anticipate. Are you willing to put in extra money for additional services if you cannot be present at the barn? Seeing as you are quickly encroaching upon college it is better advised as Verona mentioned that you look into a lease as it is not something that will shackle you long term as ownership will.
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post #17 of 35 Old 01-06-2015, 08:12 PM
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I would have a higher saddle budget. Finding a saddle that fits can be hard and expensive. A second hand saddle is great but there is no guarantee that there will be one in that price range that fits. In addition to purchase costs you likely will need a saddle fitter out.

Also, for your one off costs, if you're buying you may want to consider a vet check and to pay your instructor to come look at the horse. If you're leasing you may want to get some form of insurance for the horse.

Double check your board costs too. 25 a week for full care doesn't add up.
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post #18 of 35 Old 01-06-2015, 08:19 PM
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I am impressed by your thought and work you have put into this! If your hard work pays off and you can swing buying/leasing a horse, (okay, maybe not leasing), you have to call it "Turkish Delight"! I love that name!
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post #19 of 35 Old 01-06-2015, 09:14 PM
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You have put a lot of work into this. I do not think you need to deworm that often, unless the barn is full of worms and they are on pasture.
I think your amt for saddles is good. You should be able to find a decent saddle.
I would not go to school after riding or brushing horses, you may smell like a horse, and others may not enjoy horses as much as you. ;)
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post #20 of 35 Old 01-06-2015, 09:19 PM Thread Starter
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Quote:
Originally Posted by Canterklutz View Post
Quite honestly, if I had a child and they came up to me with a powerpoint or list of every single expense they wanted me to pay on a weekly/monthly basis it would feel like a stab to the heart. Unless your parents are very well off and do not have other costs of living/raising children/other payments/etc, those numbers may not mean much to you but those are some very serious and burdening expenses. A horse is a huge financial burden and its not just the expected costs that add up but the unexpected ones as well.

Do your parents have the funds to pay for when things don't go right? For example, what if the most suitable horse you can find is outside your price range? It seems your parents do not want to compromise on the cheapest cost of horse ownership which is the cost of the horse itself. I don't know how the market is in your area but $1500 will typically buy you a unbroke or horse with issues (training or health) in my area. What if you cannot find a used properly fitting saddle within your price range and need to crank out some extra money on a new one? What if your horse becomes lame (diagnostics and treatments can easily run into the $1000s depending on the severity). What will you do if your horse is unridable? What if your horse colics and needs surgery (colic surgery itself w/o hospitalization fees and aftercare typically run about $10k minimum with a down payment of $5k)?

Even if these things do or don't happen you still must account for them and be very upfront and honest with your parents about the costs that may incur with horse ownership. Your parents do not want to spend more money than they have to which they will easily and eventually end up doing with horse ownership. Time also seems to be an issue in your case. Horse care will end up eating far more time in your schedule than you anticipate. Are you willing to put in extra money for additional services if you cannot be present at the barn? Seeing as you are quickly encroaching upon college it is better advised as Verona mentioned that you look into a lease as it is not something that will shackle you long term as ownership will.
Thank you for your reply.
In the past when my parents and I have disagreed on something (such as getting me an instrument) I found that laying out the facts and showing how it affected us helped me in my cause. I am making them aware of all the costs while at the same time I am also showing how the costs compare to our other expenses (for example less than half of our weekly grocery bill is what it costs to keep a horse for a week).

I am absolutely certain that my parents will have no troubles paying for any vet bills or extra costs. If the horse happens to become unrideable I will likely have to sell (as my parents would make me) but this will hopefully not happen. My parents don't have a problem with money but they prefer to spend it on themselves, and as it is their own money they have the right to do that.

I unfortunately cannot lease because there are no horses within two hours of me that can be leased on another property and my stables do not have any horses available. I have listed that as part of agreement involved in getting a horse I become financially responsible when I enter college.
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