The Money Talk

Everyone says that if you want to keep the peace, avoid talking about politics or money.

You’re in luck for the first- I don’t plan to ever talk about politics on this blog beyond urging y’all to get involved in your state and local governments.

But screw it. I’m gonna talk about money.

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Frankie gets top notch care and we compete at some bigger shows, all of which comes with a price tag. One that I’ve always been willing to pay because I’m an idiot who can’t stay away from the barn, but one that I could only kinda afford to pay.

I don’t know how it comes across in this blog, but I was making a lot of sacrifices to make it work. A LOT. And it was only kiiiiinda working thanks entirely to the flexibility and understanding of my support network. The bills got paid every month. By a hair.

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Every month after bills

I started making a list of all the luxury items I would get down the road once I was able: underwear without holes in it. Makeup that isn’t just a sample I got from Birchbox in 2014. Windshield wipers for my car that actually, ya know, wipe the windshield. A damn haircut. The cheese I keep seeing at the grocery store that I’ve never actually tried but looks amazing.

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How I feel about the cheese aisle at Wegman’s

I’ll be honest: if I could go back and do things differently, I wouldn’t. Budgeting down to the nickel, being super disciplined with my spending, and maintaining that level of awareness of my finances were all skills that I needed to learn and carry forward. The opportunities I got to pursue were worth every moment of stress about how to pay for it, and there is a definite sense of pride that at the age of 25, I’m able to do what I love every day because I’ve worked hard for it.  

I don’t regret any of it- given the choice between anything else and doing another class at a show, I’d pick competing more every single time. As long as Frankie was getting what he needed to be solidly ready for his job, I was fine ignoring everything else.

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Right? RIGHT?!

But I did make a few big shifts lately- changed my budget, adjusted some spending, made some huge life changes (new job, new apartment), and took some steps to get into a healthier place financially.

I didn’t realize what a constant source of near-panic my finances were for me until they weren’t anymore. There was such a physical sense of relief from making these changes that I literally giggled out loud to myself.

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After a year-ish of stress (definitely a coincidence that I bought a horse a year-ish ago) I’m finally at a point where I’m able to do both- take care of Frankie AND myself. Nothing crazy, but I can now say yes to the occasional happy hour and have non-holey underwear and get the damn haircut. My life balance is shifting a little.

For my barn life, this will hopefully mean more horse shows next season (including a solid 2 weeks in the winter at Ocala or WEC), more frequent preventative vet visits for Frankie as I ask for harder work, more professional training rides for him, and more non-traditional care- I’m excited to see how he likes chiro/acupuncture/massage. He’s a sturdy dude and isn’t showing any signs of discomfort, but I’m sure he’ll be thrilled to get some extra pampering.

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I think the conventional takeaway from the past year would be “learn from your mistakes, don’t overextend!” But like I said, I would do it all over again in a heartbeat. Only other horse people can understand the near-compulsion to keep coming back to the barn and trying again no matter the cost.

I would do it all over again in a heartbeat, but holy crap am I glad to have a break. Frankie’s earned a massage (and so have I).