An Equestrian’s Guide to Budgeting

I don’t need to tell you all how predictably unpredictable equine expenses can be. We’ve all encountered the worst-timed vet visit, the even-worse-timed pulled shoe, and the oh-wait-I-wasn’t-ready-to-buy-yet-but-the-perfect-horse-is-available-oops-he’s-mine-now.

With all that in mind, I have a few simple ways to budget for the wonderful world of horses.

Separate bank account. That’s right, Francis has his own debit card and checkbook. I transfer a set amount into this every month, and all things horse-related get pulled out of this account. It’s enough to cover all monthly expenses, as well as extra for shows and emergencies. It’s great for impulse control- when it’s out, its out.
Wait, it’s almost out but there’s a show I want to go to. It’s fine, I’ll dip into my other account to fund it.
OK now I’m short on gas money. It’s fine, I can dip into another different account.
Wait ok no it’s fine I didn’t need that much for groceries anyways. It’s fine it’s all fine, I like ramen and toast a ton. I just have to make it to next month when my next paycheck comes in.
What do you mean he needs special shoes now
And more injections
Poor thing is probably sore, put him on the list for a massage
Crap
No it’s fine it’s totally fine
Obviously I already sent my entry in for that 5 day A rated show with gold plated stalls and hay made from actual shredded money, it would be rude to back out now IT’LL BE FINE
You know what yes, I would love to try an eq class. Not a problem, tack on the braider fees.
I think the chiropractor will get better results if he adds in acupuncture, let’s add that on next time
Crap
No really it’s fine it’ll be totally fine money can’t buy happiness who needs it anyways
And then next month I transfer the same amount and continue with the careful planned out budgeting with great willpower and self-restraint!