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What do you do to afford your horse addiction?

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  • #41
    Another DINK couple here. I’m a cardiac sonographer, I’m also the technical director of our department so I make a bit more than my average colleague. SO is an electrician, he’s considering taking a job up north at a mine, his income would almost double but he’d be away for two weeks and home for two weeks, etc.

    We live in an average cost of living area. Drive used vehicles, old phones, take advantage of points programs, cash back credit card, etc.

    Horse is boarded at a decent facility with an indoor, a good trainer, and 15 minutes from home. He lives out 24/7 because it’s cheaper and he’s happier that way.

    I braid and clip on the side. I try to keep track of that money and put it toward something. Either our shows, or a new winter blanket, etc. That way when I have extra money from my actual job it’s easier to put it toward retirement or paying off the mortgage faster.

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    • #42
      SINK (also had to google and appreciate someone writing it out), HR Manager in a higher cost of living, lower salaried area. We always show up near the top of those 'most expensive places to live' lists when they factor in wages. Grrr. I've done a number of things, but for now am settled in HR roles. The low wages means we have a competitive job market, so while I specialize in HR Operations (process, systems, analytics, etc), that is not my current role.

      I have had 2 horses for the most part since 2009 (there were 2 blessed years when it was only one.) Right now, I have a semi-retired, high maintenance TB who keeps trying to destroy himself, in small but continual ways. Other horse is a long term lease. Goal is to show again at our nice local shows, if possible. I got back in the ring last October and had a blast...looking to do so again soon. I was sending my horse that recently sold (for a few months there were 3 horses!!!!!) to 4-5 local shows a year, so the cost was still there.

      Horses are at a boarding barn 40 miles away. It's fairly basic service (cleaning, hay) and I do a lot myself to cut costs and keep the standard of care closer to what i'm comfortable with. Thankfully, the lease horse is an easy keeper who gets fat on air. The TB requires a pretty significant ($$$) feed program to keep him in a good weight, including soaked cubes from a broken tooth (see above about destroying himself in small ways). I have to coordinate his feeding as the barn does not do it.

      I drive what others would call a silly little kids car (Toyota Yaris hatchback) but I adore it and it gets great gas mileage. I commute to work with a friend, so that helps on gas. I do eat out once or twice a week and do things and have a bit of a shopping and home improvement addiction) but I keep it in check...usually. I went on my first ever real vacation last year. I mostly just take a day off here or there and stick close to home. Less money that way.
      Last edited by RugBug; Jul. 26, 2019, 03:25 PM.
      Keith: "Now...let's do something normal fathers and daughters do."
      Veronica: "Buy me a pony?"

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      • #43
        Originally posted by ElementFarm View Post
        DINK (dual income, no kids) active duty military. DH is a first responder/EMS. We have a small farm and keep the horses at home. Currently not showing due to multiple factors (deployment, farm projects) but hope to again in a couple of years. When I do show, I only do 5 or 6 local A shows a year. We don't buy clothes, eat out much, or go on vacations. I'm 100% fine with our life choices. DH is supportive most of the time.
        THANK YOU for identifying the acronym, DINK. It is such a pet peeve of mine when people use acronyms without defining them in the first use, and like Jolie_, I had to google the term.

        I am in a single-income married relationship and have enough disposable income to own my horses, which I held off on buying until I was fifty. I afford them because we have the income to afford them and because I don't have other expensive hobbies or pastimes. Also, I don't show, so my horse habit is relatively inexpensive.
        Last edited by PeteyPie; Jul. 23, 2019, 11:54 AM.
        "Random capitAlization really Makes my day." -- AndNirina

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        • #44
          Surgery resident, husband software engineer, no kids. Very high cost area. Do as much moonlighting (extra night coverage at other hospitals) as allowed.

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          • #45
            Husband. Husband is a hard rock miner, owns some beef cattle and works on a several thousand acre ranch when he isn’t working 16 hour days in the mine.

            I wouldn’t be able to afford board, horses are kept at my in-laws.

            I use to ride fancy smancy jumper horses when I was a jr. boarded as a nice place. Worked off all my training. My biggest supporter passed away right when I turned 18 and I most of the financial help I had. Sold my jr jumper (for peanuts, dumbest deal I’ve ever done) groomed and rode professionally for a bit. Bought a super cheap horse, worked off his board. Decided I hated life and moved to Montana, shipped the crazy cheap horse up here with me. Few years later I met DH (at the time I was super struggling, all I saw was free horse board)

            Here I am with 3 horses (and free horse board) . I just had a baby a week ago and we just closed on a house the day before I had baby.


            I spend a lot of my income of silly horse stuff. I was a caregiver. So really didn’t/don’t make much. I did just buy a new half pad. Can’t wait to ride in 6+ weeks. Husbands parents live where the horses live. Husbands parents are also retired and baby obsessed.

            im hoping to be able to ride in a Jay Duke clinic later this year. There’s not any English trainers around here that I would feel comfortable paying x amount of money for lessons and I’ve been DIYing it for 4+ years now.

            We would be better off if my husbands cows decided to randomly stop dying. Right now he said his business motto is he buys cows and they die. Once he hits x amount of years or x amount of experience at the mine the income goes from mid 5 figs to low 6 figs. The cost of living is cheap compared to other states.
            https://www.instagram.com/streamlinesporthorses/

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            • #46
              I am a Rodan + Fields skincare consultant, it allows me to afford my 2 horses!
              http://www.facebook.com/pages/Fentre...24774504235082

              http://fentressfieldsequestriancenter.com/

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              • #47
                Another DINK but I pay for all horses. Air Traffic (defense contractor). Since I travel at least 7 months a year, SO does most of the work. We own the farm. As soon as I retire (hopefully 5 more years) I'll get my last horse and ride and show as often as possible.

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                • #48
                  Originally posted by RugBug View Post
                  I drive what others would call a silly little kids car (Toyota Yaris hatchback) but I adore it and it gets great gas mileage.
                  I have a Yaris (I'm in New Zealand) and love it for how economical it is - I have a 62m round trip each day for work :-/

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                  • #49
                    Interesting how many people work in the oil/gas industry...

                    Comment


                    • #50
                      DINK: I'm a Global Manager - Medical Devices. He has his own extremely successful business in design-construction related industry. I pay all my own personal expenses, including all equine related expenses and also pay for and maintain my city condo. I drive a Mercedes which I purchased and maintain. I could live independently of him and maintain my lifestyle - the primary reason he asked me to move in was because he was closer to the barn and thought it would make my life easier (it has!).

                      Sadly, I just lost my horse last Wednesday to colic and I'm not sure when I will have the heart to rejoin the sport - boyfriend is devastated as he's never lost a horse. But before that I was paying just board at $1200 but prior to horse's retirement 1.5 years ago I was paying monthly board/training/service bills into the $2250 range not including farrier.

                      I showed rated about 6 times a year and each show was in the $1800-2200 range.

                      I highly recommend the medical device industry. It's fairly stable/recession proof. The sales jobs can be extremely lucrative if sales is your thing.

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                      • #51
                        Husband and I have one kid and both work for one of the oil and gas majors. However, I pay for my horse expenses.

                        Not sure what O&G will look like in 10-20 years, but it's been a great industry to be in for the last 10+ and is extremely flexible of late when it comes to working remotely, etc. Pay is excessive for the work I do.

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                        • #52
                          Currently DINK, but that will change quite soon. I'm a Financial Controller for a real estate investment company and hubs is a pharma sales rep.

                          We have a 6 acre farmette and keep our 3 horses at home. I work from home and we both have a lot of flexibility with our work schedules, which is awesome.

                          I could afford to show more than I do, but I can't justify the exorbitant cost these days. We do prioritize saving and retirement planning.
                          Jennifer Baas
                          It is the mark of an educated mind to be able to entertain a thought without accepting it. (Aristotle)

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                          • #53
                            Originally posted by atl_hunter View Post
                            Sadly, I just lost my horse last Wednesday to colic and I'm not sure when I will have the heart to rejoin the sport -
                            So sorry to hear of your loss.
                            Keith: "Now...let's do something normal fathers and daughters do."
                            Veronica: "Buy me a pony?"

                            Comment


                            • #54
                              While I haven't even began to scratch the surface of what I will end up spending on this hobby, I currently support my horse riding expenditures by working in accounting (disgustingly mundane) and real estate (incredibly exciting).

                              I'm single with no kids, and these businesses are family businesses that I will be taking over as well as my own real estate business that I'm building on the side.

                              Comment


                              • #55
                                DINK, but I pay 100% of my horse expenses. I am a patent attorney living in an affordable city, and my horse is boarded about 30 miles away in Tryon, NC.
                                ~ Mirror Image (1998-2010) ~

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                                • #56
                                  Originally posted by KyrieNZ View Post

                                  I have a Yaris (I'm in New Zealand) and love it for how economical it is - I have a 62m round trip each day for work :-/
                                  I 3rd the Yaris! Great little car. Even in the snow ! I have an hour commute each way when I work. I even drove it off the side of the road into the rail road on day and it’s still running and driving..

                                  It’s super small and hard to fit a car seat in but it works. My two vehicles are paid off. My DH almost has his truck we use for hauling paid off as well. We would like to upgrade but it’s nice not having car payments. When I was broke as a joke and trying to support myself and two horses on a little over minimum wage the only thing that saved me was having no car payment.
                                  https://www.instagram.com/streamlinesporthorses/

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                                  • #57

                                    I’m a paramedic (in Canada, so good $$), hubby is also top pay grade emergency services as well. Own my own farm, breeding program pays for all horse related costs and travel.
                                    Edited to say I have two kids
                                    Last edited by MuskokaLakesConnemaras; Jul. 29, 2019, 10:05 AM.
                                    www.muskokalakesconnemaras.com
                                    Wonderful ponies for family or show!

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                                    • #58
                                      I'm a stay at home mom, train and sell horses, working on getting my medical coding and billing certificate, my husband works in the oilfield. We own our own farm. We live in a pretty cheap part of the nation where hay and the cost of housing makes what we do very affordable.

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                                      • #59
                                        DINK: I'm an attorney in "big law," complex civil litigation. DH is in a hedge fund. We're in an exorbitantly priced area, but we couldn't do what we do elsewhere. Two horses are boarded nearby, at my trainer's barn.

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                                        • #60
                                          Law Enforcement. Husband retired from law enforcement also. I have additional income that greatly helps with 2 horses. Also no kids.I make decent money, but it could always be more.

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