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(Revised 5/9/18)
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What do you do to afford your horse addiction?

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  • trakehners
    I'm in my early twenties, single, no kids, CPA currently working at a public accounting firm, don't have a ton of student loans (thanks for the tuition remission, Dad), board my horse at a barn owned by a friend which doesn't cut me a break on the cost but means I definitely trust the care he gets when I have to work long hours (aka, a literal third of the year). Not planning to stay in this field long-term but I'll definitely be here until I pay my loans/car off and save some money to make sure I can take care of/keep the equine child when I go back to school (I have an additional degree in a completely unrelated field to what I currently do and would like to pursue a doctorate in that area).

    I do live at home with my parents but I pay them rent so it's still a regular expense, and I also live in a pretty low cost of living area and could move out without much trouble beyond finding somewhere that would let me take my two cats with me and doesn't have a declawing requirement. I don't throw much money at showing because I'm currently paying ~3x what the minimum is on my loans so they'll be completely paid off in a couple of years, and I stick to a pretty strict budget as far as saving/retirement goes, so I don't have a ton of disposable income after I pay all my bills (horse-related and otherwise), but I can save for things I want to do/buy without it becoming a huge hassle. Just requires planning ahead.

    Leave a comment:

  • GoneAway
    Active duty military. Single, no kids, one horse boarded nearby. The job has some headaches (just spent a year overseas and the horse was on full training board while I was away), but it pays for the horse habit and then some.

    Leave a comment:

  • 2horseowner
    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.

    Leave a comment:

  • joiedevie99
    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.

    Leave a comment:

  • farriers wife
    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.

    Leave a comment:

  • MuskokaLakesConnemaras

    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.

    Leave a comment:

  • streamline
    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.

    Leave a comment:

  • AAHunter
    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.

    Leave a comment:

  • centaursam
    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.

    Leave a comment:

  • RugBug
    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.

    Leave a comment:

  • Mac123
    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.

    Leave a comment:

  • jhg140
    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.

    Leave a comment:

  • atl_hunter
    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.

    Leave a comment:

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

    Leave a comment:

  • KyrieNZ
    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 :-/

    Leave a comment:

  • HappyCats
    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.

    Leave a comment:

  • mpsbarnmanager
    I am a Rodan + Fields skincare consultant, it allows me to afford my 2 horses!

    Leave a comment:

  • streamline
    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.

    Leave a comment:

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

    Leave a comment:

  • PeteyPie
    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.

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