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How are you preparing (horsewise) for the impending fiscal cliff/tax hikes?

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  • How are you preparing (horsewise) for the impending fiscal cliff/tax hikes?

    How are you preparing (horsewise) for the impending fiscal cliff/tax hikes?

    Curious if others are making any preparations, since while Congress has punted the ball down the road for two months, taxes are going up and the 'fiscal cliff' (which means more tax increases) could very well happen in the spring. What 'discretionary' things are you cutting back on, i.e. fewer lessons, selling excess livestock/horses, carpooling to barn/making fewer trips (for boarders), entering fewer competitions? What about non-horse related discretionary (optional) expenses, i.e. cutting back on cable, not renewing memberships/subscriptions, taking fewer vacations, using more coupons, buying generic brands?

    For those who expect their income to be impacted (small businesses, federal employees & contractors, folks who provide discretionary/"optional" services, what are you doing to prepare?

    Please share so perhaps folks can learn from one another
    Appy Trails,
    Kathy, Cadet & CCS Silinde
    member VADANoVA www.vadanova.org

  • #2
    Mooted. All that fuss 'n' feathers - then suddenly fear of what would happen come re-election time from all those hurtin' voters..... amazing how things can get done.

    Comment

    • Original Poster

      #3
      Sandy, I wish it were mooted, but it is not.
      Appy Trails,
      Kathy, Cadet & CCS Silinde
      member VADANoVA www.vadanova.org

      Comment


      • #4
        According to this:

        http://www.paycheckcity.com/fiscalcliff/cliff.html

        If the Bush tax cuts were allowed to expire, I would be looking at $150 less a month. Even though I am on a tight budget, it’s not enough to really impact any of my horse keeping habits.

        Interesting enough, if I was at the opposite end of the scale (over $250K) my taxes would go up much less as a percentage to income ratio.
        APPSOLUTE CHOCKLATE - Photo by Kathy Colman

        Comment


        • #5
          I sold one of my horses, thereby cutting my expenses by a third, and extending my hay supply accordingly.

          I brought my show horse home from the trainer's. I will start hauling him in for lessons in the spring, but only twice a week, not three times. I won't be showing this year unless it's just at fun or schooling shows. Breed shows are too rich for my budget this year.

          I've sold my show tack and am saving the money I made as my emergency fund.

          Comment

          • Original Poster

            #6
            Here is another good article to read on this: http://wtop.com/289/3178182/How-incr...-income-levels

            this is for non-fiscal cliff tax hikes
            Appy Trails,
            Kathy, Cadet & CCS Silinde
            member VADANoVA www.vadanova.org

            Comment

            • Original Poster

              #7
              Here's a good coupon for those using TC brand feed: http://www.southernstates.com/offers/index.aspx
              Appy Trails,
              Kathy, Cadet & CCS Silinde
              member VADANoVA www.vadanova.org

              Comment


              • #8
                To be honest, I'm more worried about drought and the price/availability of hay this year. Our cost jumped from $3 to $10 a bale. We have 3 horses and are going thru a bale a day.

                I'll show as much as usual because I'm old...I can't wait 10 or 15 years for Washington to get its act together. Besides, I told DH today that we can blow thru our investments and savings and not to worry. We can have a ball and then become one of the 'cared for' couples under whoever is in office: food stamps, mortgage relief, and a monthly cash stipend. Just kidding folks. We're too conservative to do that!
                Ride like you mean it.

                Comment


                • #9
                  Selling one, gelding my stallion, and showing less. Joy.
                  It's only when a mosquito lands on your privates that you realize there is always a way to solve problems without using violence. fb meme.

                  Comment


                  • #10
                    I shipped the for sale horse to the midwest where grass is cheaper and prices on mares are better. Seriously considering not replacing her.
                    Visit my Spoonflower shop

                    Comment


                    • #11
                      I'm more worried about the debt ceiling coming up. Just hoping they have some sense and don't wreck the world's economy.

                      I'm being careful...not good for the economy, but you do what you have to do.

                      Comment


                      • #12
                        I don't make a quarter million dollars a year so I'm not too fussed.
                        The Noodlehttp://tiny.cc/NGKmT&http://tiny.cc/gioSA
                        Jinxyhttp://tiny.cc/PIC798&http://tiny.cc/jinx364
                        Boy Wonderhttp://tiny.cc/G9290
                        The Hana is nuts! NUTS!!http://tinyurl.com/SOCRAZY

                        Comment


                        • #13
                          Scary email from my company today

                          Just this morning I received an email titled Effects of "Fiscal Cliff" Deal. My paycheck will be impacted.

                          I've already tightened my belt, so to speak. I have to get a little creative to find more ways to save or ways to earn.

                          I will be reducing the number of trials I enter and packing food and drinks to those trials. Maybe I'll sell a saddle: I've held onto it because hope springs eternal.

                          I already carpool with one local friend. I'll try to carpool with a third. 2013 dog training club dues are only like $85 but I rarely go to class anymore...

                          I am working on perfecting a dog biscuit recipe so I don't have to buy the expensive grain-free biscuits anymore. Heck maybe I can sell some! I buy dog food in bulk or with friends to save on sales and free shipping deals.

                          Comment


                          • #14
                            Uh, I'm broke anyway. I doubt that will change. And I am convinced that everyone who cries about the debt ceiling cannot actually define it properly without googling it. Drives me nuts. It has nothing to do with the amount of money spent.

                            In addition, part of the bill passed with do a great deal to HELP funding conservation and land preservation. Which is my job, so...

                            Of course, I never was one to jump on any apocalyptic bandwagons. Nothing is ever black and white.
                            Life doesn't have perfect footing.

                            Bloggily entertain yourself with our adventures (and disasters):
                            We Are Flying Solo

                            Comment


                            • #15
                              I'll be doing much better this year than I did the past decade - good job with growing company. But still less that $250K a year Even with increasing taxes, my disposable income is twice as much as last year!

                              I'm actually glad the SS is going back to 6.2%, raises hope there will be some for me at retirement. And I support raising medicare to fund the health care initiative.

                              Don't let the doom & gloom sayers get you down - it is still largely up to the individual how well they do in the good ole USA, over time.

                              Anyway my plans are to finally start serious lessoning & showing this season! I may even be able to swing a new saddle woohoo!

                              Comment


                              • #16
                                I don't think the tax code changes will impact my horse life.

                                If the federal cuts are huge, it could, in that job loss changes everything. I'm in a pretty safe area, though, so I guess just waiting and seeing.

                                Comment


                                • #17
                                  IRS has issued new withholding guidelines to employers, and payroll taxes are going up for everyone (yes, even for those making less than $450,000). I think I saw one estimate that someone making around $40,000 would have an additional $600/year withheld, while those making $90,000 would have an additional $2400 withheld. That means less take-home pay, so folks that are already living on tight budgets will have to tighten their belts even further.

                                  I am cutting back on chiro visits (both for me and the horses), weaning them off their supplements, buying less expensive brands of tack and horse clothing, will only do dentals once a year instead of twice a year, and will work on spacing out vax schedules a bit more. While I will save a few $$$ here and there, the incomes of the chiro, vet, dentist, and supplement and tack manufacturers and vendors will unfortunately also be impacted - not in a major way by just my cutbacks, but if you multiply it by dozens or even hundreds/thousands of clients/customers, it could have a significant impact on income for suppliers and health care providers.

                                  Comment


                                  • #18
                                    Originally posted by DownYonder View Post
                                    IRS has issued new withholding guidelines to employers, and payroll taxes are going up for everyone (yes, even for those making less than $450,000). I think I saw one estimate that someone making around $40,000 would have an additional $600/year withheld, while those making $90,000 would have an additional $2400 withheld. That means less take-home pay, so folks that are already living on tight budgets will have to tighten their belts even further.
                                    .
                                    Um yes, but most of that is from going back to SS 6.2% (from 4.2%) which is where it was for most of our prior lifetimes. Just getting back to normal, really.

                                    Comment


                                    • #19
                                      Originally posted by Arcadien View Post
                                      Um yes, but most of that is from going back to SS 6.2% (from 4.2%) which is where it was for most of our prior lifetimes. Just getting back to normal, really.
                                      Point is that folks will have less take-home pay, so will have to either reduce the amount they are saving each month (never a good idea), or reduce expenditures. For probably darned near everyone involved with horses, that means cutting back on *horse related* expenditures. Bottom line is that less money will get pumped into the equine industry, and everyone providing goods or services in the industry will feel the pinch.

                                      And I love how they have entitled it the "American Taxpayer Relief Act of 2012". Taxpayer RELIEF? What a joke!

                                      Comment


                                      • #20
                                        I work in exchange for a lot of my riding and board (though I don't own yet so right now it's a lease). DH and I are extremely fortunate that we have an income we can budget flexibly--we have several hundred of cushion (unbudgeted funds) every month if budgets need adjustments or we go over budget. I understand that not all other people have that luxury and for some almost every dollar they make has a purpose. My money used to be like that. I really sympathize with them, especially after the hay fires this summer, hay costs, and board on the rise.

                                        Comment

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