Got My Horse

Counting the Cost: The True Expenses of Horse Ownership

Owning a horse is a dream for many people, but it’s important to know that it comes with a cost. Understanding the expenses associated with horse ownership is crucial before making the commitment to purchase or care for a horse.

In this article, we’ll discuss the costs involved in owning a horse and highlight some essential items that every horse owner should consider.

Cost of Owning a Horse:

Lessons: Education is an essential component of owning a horse.

Whether you’re new to horseback riding or a seasoned pro, there’s always something new to learn. Some popular styles of riding include Western Flatwork, Jumping, and Cow Work.

Lessons can cost anywhere from $35 to $100 per hour, depending on the location and experience level of the instructor.

Health: Taking care of your horse’s health is critical to its well-being.

Regular veterinary check-ups, dental care, and farrier visits are just a few of the expenses associated with horse health. Other costs associated with keeping a horse healthy include Joint Support Supplements, Dewormers, and daily supplements like SmartPak, which work to keep your horse in prime physical condition.

Fun: Horses also need a little bit of fun in their lives! Most horse owners have a favorite treat or toy that their horse loves. Some popular treats include Likit Refills and Mrs.

Pastures Cookies; both are inexpensive and can be found at most tack stores.

Gear: Even with a healthy horse, there are always unexpected expenses.

Replacing a feed bag, for example, can cost around $10 to $20. A used Western Saddle can cost anywhere from $200 to $1,500, depending on the quality and condition of the saddle.

Off-Side and Near-Side Latigos can cost around $25, and Stirrup Hobble Straps can cost around $15. Clothing and gear for the rider include SSG Extreme Hybrid Gloves, which cost around $35, Piper Flex Tights for around $70, and Horze Short-Sleeve Sun Shirts, which can be purchased for around $30.

Insurance: While not necessarily required, liability insurance can protect both you and your horse from accidental injuries related to the animal. Mortality and Major Medical Insurance provide additional coverage for injury, illness, or death of your horse.

Every owner should weigh the benefits against the cost of insurance for their unique situation.

Stabling: Board costs will vary depending on the services provided.

Full Board, which includes feed, stall cleaning, and sometimes turn-out, can cost $500 to $2,000 per month. Partial Board, which includes feeding and stall cleaning, can cost around $250 to $800 per month.

Travel: Visiting the barn or traveling to horse shows can also be an expense. Fuel costs can add up quickly, especially if you’re traveling far from home.

It’s essential to plan and budget accordingly for these types of expenses.

Money Well Spent:

Buying a Western Saddle: One of the best investments a Western rider can make is in a quality saddle.

New saddles can cost thousands of dollars, but there are plenty of used saddles available at a fraction of the cost. Buying a used saddle is an opportunity to get a high-quality saddle for less money, and it can also provide a great opportunity to resell the saddle later if needed.

Western saddles are ideal for sliding stops, making them a valuable asset to any rider.

Cosequin Supplement for a Borrowed Horse: Joint health is essential for any horse.

If you are caring for a borrowed horse, investing in a high-quality joint supplement like Cosequin can help to keep the horse comfortable and healthy. Even if it’s not your horse, ensuring their health and wellness is a responsibility that should never be taken lightly.

In conclusion, owning a horse can be an excellent experience for those who are committed to providing the best care possible. Investing in education, health, and quality gear is essential to keeping your horse healthy and happy.

Knowing the cost of owning a horse is an important step in making a plan that will work for both you and your four-legged friend. With the right care, owning a horse can be a dream come true.

3. Buyers Remorse:

Owning a horse can be expensive, and sometimes unexpected expenses can cause buyers’ remorse.

Below are a few tips for managing these expenses when they arise. Replacing Feed Bag: A feed bag can wear out over time, and if it becomes too damaged, repairing it may not be an option.

Replacing a worn-out feed bag can cost around $10 to $20, depending on the type and quality of the bag. To avoid the need to replace a feed bag too often, you can consider purchasing a higher quality bag with a reinforced bottom or side panels.

Replacement Latigos: If you’re in the market for a new saddle, replacement latigos may be necessary. Latigos are straps that attach the saddle to the cinch, and they can become worn over time.

While sometimes you might be able to repair a latigo, it is usually better to replace it for improved safety. Latigos can be found at most tack stores for around $25.

When replacing latigos, ensure that you purchase the correct type and size to match your saddle.


Tips for Reining in Expenses (Pun Intended):

Owning a horse can be an expensive hobby, but there are ways to manage your expenses without compromising on the quality of care for your horse. Below are some tips for reining in your expenses and getting the most out of your budget.

Bartering: Bartering can be a fantastic way to save money on horse-related expenses. If you have a service or product that someone else needs, consider trading your skills for theirs.

For example, if you’re a skilled braider, you can offer to braid someone’s horse’s mane or tail in exchange for a free lesson or a discount on board fees. You can also barter with local feed stores or suppliers for a discount on their products.

It never hurts to ask!

Watch for Price Drops: Keeping an eye out for sales and price drops is another great way to save on horse-related expenses. You can use tools like the Honey app, which compares prices across different websites and automatically applies coupons to your shopping cart.

You can also keep an eye on Amazon for sales on horse-related products, or simply check in with your local tack stores to see if they’re running any promotions or price drops. Compare Costs Before You Buy: When it comes to big purchases, like a new saddle or riding gear, comparing costs before you buy is essential.

While Amazon may offer a wider selection of products at competitive prices, local tack stores can offer a more personalized shopping experience and allow you to try out products before you buy them. Additionally, local stores often have a faster turnaround time on shipping products, and you can avoid expedited shipping costs.

It’s always a good idea to do your research and compare prices and selection across different shopping platforms before making a purchase. In conclusion, horse ownership can be a fulfilling and rewarding experience, but it can also be expensive.

Knowing how to manage your expenses and budget accordingly can help to keep your horse healthy and happy while also helping you stay within your means. Remember, it’s okay to barter, watch for price drops, and compare costs before making a purchase.

With a little bit of research and ingenuity, you can mold your horse care expenses to meet your budget. 5.

On the Horizon:

As a horse owner, it’s essential to stay up-to-date on upcoming events and trends in the horse world. Below are a few things to keep an eye out for in the near future.

Western Saddle Modifications: Customizing a Western saddle can be a fun process, whether you’re looking to repair a used saddle or make modifications to a former saddle. Leatherwork and saddle making are both popular hobbyist pursuits that can help you customize your saddle to your liking.

However, if you’re not particularly skilled in these areas, seeking out a professional saddle maker or leatherworker is crucial to ensuring that your saddle is safe and functional. Leatherworkers can also help you add silver or other adornments to your saddle, which can help you stand out at shows and events.

Reined Cow Horse Clinic & Show: For horse owners and riders, attending clinics and shows is an important part of the sport. A Reined Cow Horse Clinic & Show is a great opportunity for riders to expand their skills and knowledge while also challenging themselves outside of their comfort zone.

However, attending events away from home can also cause anxiety or stress for both horse and rider. Preparing yourself and your horse for unfamiliar surroundings is critical, and practicing desensitization techniques before attending events can help both of you cope.

Once there, taking your time and breathing calmly is essential to maintaining both your and your horse’s composure.

In conclusion, staying informed about upcoming horse-related events and trends can help you connect with other horse owners and improve your skills as a rider.

Customizing a Western saddle can provide a sense of pride and identity, and attending clinics and shows is an essential part of horse ownership. While it can be challenging to push yourself and your horse outside of your comfort zone, with patience, practice, and preparation, you can help both of you overcome anxiety or stress related to events away from home and enjoy the experience.

Remember to stay positive and keep an open mind to get the most out of these opportunities. In conclusion, owning a horse requires commitment, responsibility, and financial planning.

Understanding the costs associated with horse ownership is crucial before making the commitment to purchase or care for a horse. It’s important to invest in education, health, and quality gear, and manage expenses by bartering, watching for price drops, and comparing costs before making a purchase.

Attending clinics and shows can expand your skills and knowledge while customizing a Western saddle can provide a sense of pride and identity. Remember to stay prepared, practice desensitization techniques, and remain positive, even when faced with challenges.


– What are the costs associated with horse ownership? Horse ownership costs include education, health care, gear, insurance, stabling, and travel.

– What health care expenses should be considered for a horse? Regular veterinary check-ups, dental care, and farrier visits, joint support supplements, dewormers, and daily supplements are essential for horse health.

– Is horse ownership expensive? Yes, owning a horse can be expensive.

It requires commitment, responsibility, and financial planning.

– How can horse owners save on expenses?

Bartering, watching for price drops, and comparing costs before making a purchase can help horse owners save on expenses.

– What can horse owners do to prepare for events away from home?

Practicing desensitization techniques before attending events and taking your time and breathing calmly at events can help both horse and rider cope with unfamiliar surroundings.

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