Got My Horse

Budgeting for Horse Ownership: Tips and Expenses to Consider

Owning a horse can be an incredibly rewarding experience. It allows for the development of a special bond between horse and owner, the ability to participate in equine activities and events, and the opportunity to create lifelong memories.

However, the cost of owning a horse can add up quickly. In this article, we will explore the various expenses associated with owning a horse and highlight the importance of budgeting in order to make horse ownership a manageable and enjoyable experience.


Education is an essential aspect of owning a horse. By taking riding lessons or attending ranch riding classes, horse owners can improve their riding skills, develop a deeper understanding of horsemanship, and provide a safe and enjoyable experience for themselves and their horses.

The cost of riding lessons varies depending on location and the instructor’s level of expertise. Ranch riding classes can be an excellent opportunity to work on skills such as teamwork, communication, and cattle handling.

These classes usually cost less than individual riding lessons and can offer a more immersive experience. Events:

Participating in equine events, such as cutting schooling shows or cow working clinics, can be an exciting way to bond with your horse and improve your skills.

Cutting schooling shows can cost anywhere from $20-$70 per entry. Whereas, cow working clinics are often more expensive and can range from $150-$500 per session.

These events can be costly, but the experience can be priceless. Health/Fun:

Just like humans, horses enjoy a treat every now and then.

Horse treats can provide an opportunity to bond with your horse or reward them for good behavior. The cost of horse treats varies, but a bag of carrots or apples can be a cost-effective option.

Many local grocery stores and markets offer discounted or otherwise unsellable apples that may be perfect for horses. Additionally, using a discount app to purchase horse treats and other supplies can be a great way to save money while still providing your horse with a tasty treat.


Proper horse equipment is essential to providing a safe and comfortable environment for your horse. A saddle stand is a great investment, as it helps keep your saddle in good condition and prolongs its lifespan.

Tack on consignment is a cost-effective solution to purchasing new tack. Additionally, a trailer hay net is an excellent way to keep your horse fed on long trips, and a replacement mane or tail brush can keep your horse looking their best.

Finally, a Da Brim helmet visor is a functional and stylish way to protect yourself from the sun and rain while out riding. Insurance:

Horse insurance is an important aspect of protecting your investment.

Liability insurance is critical in case of any accidents that may occur while riding or handling your horse. Mortality and major medical insurance covers medical expenses for your horse’s care and protection in the event of death.

Tow vehicle insurance and horse trailer insurance provide protection for your tow vehicle and trailer. And equestrian roadside assistance ensures that you are never stranded in case of an emergency related to your horse or trailer.


The cost of stabling a horse can vary from region to region, but board is typically the most significant monthly expense. Board can include basic necessities such as feed, water, and turn-out, but it can also provide additional amenities such as a heated barn or run-ins for shelter.

Boarding at a full-service facility can cost anywhere from $350-$1000 per month, while pasture board can range from $50-$350 per month. Travel:

Travel expenses, such as fuel for barn visits or a bag of shavings for your horse’s stall, can seem small but can add up quickly.

Planning ahead and budgeting for these expenses can help ensure that you don’t end up overspending in this area. Fuel for a cow working day trip is another factor to consider, as the round trip can easily add up to several hundred dollars.

Money Well Spent:

Investing in your horse’s care and your own safety is always money well spent. Attending a cutting schooling show can help you and your horse develop new skills and build new relationships with fellow horse owners.

A saddle stand is an excellent investment in caring for your saddle, as it keeps it in good condition and prolongs its lifespan. The Equi-Essentials Niblet Hay Net provides long-term value by keeping your horse fed and happy during long trips.

Finally, SSG All Weather Gloves are an essential piece of equipment for any rider and are durable enough to withstand daily use. Conclusion:

Owning a horse can be an expensive venture, but with proper education, budgeting, and planning, it can be a rewarding experience.

Knowing the various expenses associated with owning a horse, such as education, events, health/fun, gear, insurance, stabling, and travel, can help you create a realistic budget and enjoy horse ownership to the fullest. By investing in necessary components, such as Liability Insurance, a Tow Vehicle Insurance, and Bag of Shavings for Stall, money will be well-spent on these things to care of the horses.

Buyer’s Remorse:

When it comes to owning a horse, there are many expenses to consider. One of the most significant costs is farrier visits.

Farriers are responsible for trimming and shoeing a horse’s hooves, which is essential for maintaining good health and preventing lameness. However, farrier visits can be costly, and the expense can quickly add up.

It’s not uncommon for horse owners to experience buyer’s remorse after a costly farrier visit. They might feel like they’re spending too much money and not getting enough value in return.

While it’s important to keep an eye on your budget, it’s also crucial to remember that your horse’s wellbeing should always come first. Regular farrier visits are essential to keep your horse happy and healthy, and the benefits outweigh the cost in the long run.

When calculating your horse’s farrier-related expenses, keep in mind that the cost may vary depending on where you live, your horse’s size and health, and the type of work needed. Working closely with your horse’s farrier to create a plan that works with your budget and your horse’s needs can help alleviate any buyer’s remorse and ensure that you’re providing your horse with the care they need.

Tips for Reining in Expenses (Pun Intended):

Owning a horse can be expensive, but there are ways to keep expenses in check without compromising your horse’s well-being. Here are some practical tips to help you rein in your expenses:

Sell What You Don’t Use:

Take inventory of your tack, equipment, and other horse-related items.

If you have items that you don’t use or need, consider selling them to make some extra cash. You can sell items online through platforms such as Facebook Marketplace or eBay, or sell them through consignment shops or at local horse shows.

Watch for Price Drops:

Horse-related items, including feed and tack, often experience price fluctuations. To save money, keep an eye on the prices and wait until they drop before making purchases.

You can also sign up for email lists from horse supply stores to receive notifications of sales or discounts. Compare Costs Before You Buy:

Before making a purchase, compare costs from different retailers or suppliers.

You may find that one store offers a better deal on feed or that a different supplier has the equipment you need at a lower price. Taking the extra time to compare costs can help you save money and ensure that you’re getting the best value for your investment.


By implementing these tips and being mindful of your horse-related expenses, owning a horse doesn’t have to break the bank. Remember that every expense serves a purpose towards your horse’s well-being, including the farrier visit cost, and that finding ways to cut costs does not mean you should skimp on necessary items or services vital for your horse’s care.

By adopting these cost-effective strategies, you can enjoy the rewards of horse ownership while keeping your budget in check. On the Horizon:

As a horse owner, it’s essential to keep an eye on upcoming trends and new products that can benefit you and your horse.

In this section, we’ll discuss two new developments in the world of horse ownership: The Compositi Eclipse Safety Stirrups and Cow Working Clinics. Compositi Eclipse Safety Stirrups:

Stirrups are an essential part of any saddle set-up.

They help provide stability and support to the rider’s leg and foot. However, riding with traditional stirrups can pose potential risks if a rider falls and gets caught in their stirrup.

Compositi Eclipse Safety Stirrups are a new product designed to address this issue. The Compositi Eclipse Safety Stirrups are made of lightweight and durable polymer material.

They feature a flexible arm that, in the event of a fall, will release the rider’s foot from the stirrup. The flexible arm is adjustable to accommodate different foot sizes and can be easily replaced without replacing the entire stirrup.

The stirrups come in a range of colors, so you can choose a set that complements your saddle or matches your riding outfit. They are also affordable, making them a great addition to any rider’s equine gear.

Cow Working Clinics:

Cow working clinics are designed to give horse owners and their horses the opportunity to practice working with cattle. These clinics focus on training the horse and rider to work as a team, honing communication and teamwork skills while honing in on cattle handling techniques.

Cow working clinics can be a fun and exciting challenge for both horse and rider. They also provide a chance to try something new, improve your riding skills and deepen your bond with your horse.

For horse owners with western-style horses, these clinics can be an excellent way to engage in their horse’s natural instincts. Clinic prices vary depending on location and session duration.

Clinics typically cost between $150-$500 per session. They are also available for riders of all ages and experience levels.


Keeping up with new equine products and trends is essential for horse owners. Products like Compositi Eclipse Safety Stirrups and events like Cow Working Clinics can provide new opportunities to improve your horse’s safety and your riding skills while deepening your relationship with your horse.

These developments in the equine world demonstrate the importance of continually looking for ways to improve and challenge yourself as a horse owner. This article highlighted the key expenses associated with owning a horse, emphasizing the importance of budgeting and planning to make horse ownership an enjoyable, rewarding experience.

It discussed the costs of education, events, health/fun, gear, insurance, stabling, and travel, and provided money-saving tips, such as selling unused equipment, comparing prices before making purchases, and watching for price drops to rein in expenses. The article also covered the importance of staying up-to-date with the latest products and trends, including the Compositi Eclipse Safety Stirrups and Cow Working Clinics, that can help improve your riding skills and deepen your bond with your horse.


– What is the cost of owning a horse per month? The cost of owning a horse per month varies depending on a variety of factors, including stabling, feed, tack, and health-related expenses, such as farrier and veterinary care.

– How can I save money on horse-related expenses? You can save money on horse-related expenses by selling unused equipment, comparing prices before making purchases, and waiting for price drops.

– What are Compositi Eclipse Safety Stirrups? Compositi Eclipse Safety Stirrups are a new product designed to improve rider safety by releasing the rider’s foot from the stirrup in the event of a fall.

– What are Cow Working Clinics? Cow Working Clinics are events that provide horse owners and their horses with the opportunity to practice working with cattle, hone their communication and teamwork skills, and improve their riding technique.

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