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Saddling Up: A Guide to Managing Horse-Related Expenses

Horse Expenses for October 2019

As horse owners, there are a lot of expenses we need to consider when budgeting for our equine friends. In October 2019, I tracked my horse-related expenses to give you an idea of what you might need to budget for.

Heres what I spent my money on:

Riding Lessons and Clinics

One of the most important things an equestrian can do is continue improving their riding skills. Thats why I spent a significant portion of my money on riding lessons and clinics.

During the month of October, I took three riding lessons and attended two clinics. The clinics focused on cow working and jumping.

They were held by experienced trainers who provided valuable feedback on my horses strengths and weaknesses. I highly recommend attending clinics and workshops whenever possible because youll always learn something new.

Health and Fun

Another important aspect of horse ownership is keeping your equine partner happy and healthy. In October, I spent money on a variety of things to keep my horse healthy and happy.

Some of these expenses included discount produce and apples. The produce was a great deal at the grocery store and included things like carrots, celery, and sweet potatoes.

These items are great for making your own horse treats or adding some variety to their daily diet. Additionally, my horse absolutely loves apples, which are a great source of vitamins and fiber.


Horse gear is essential for riding and training. In October, I purchased a new pair of MDC Stirrups, which are designed to flex and move to keep you safe and comfortable when jumping.

Gear can be expensive, but its important to invest in quality equipment that will last for years to come.


As with any activity, horseback riding has its risks. Thats why insurance is important for both rider and horse.

In October, I paid for liability insurance, mortality and major medical insurance, and equestrian roadside assistance. Liability insurance protects me if someone is injured while riding my horse or if my horse damages property.

Mortality and major medical insurance provides protection in the unfortunate event that my horse passes away or requires expensive medical treatment. Equestrian roadside assistance is especially important for those who travel with their horses regularly, as it provides roadside assistance for both your horse trailer and your horse in the event of a breakdown.


Stabling is a significant expense for any horse owner. In October, I kept my horse in an outdoor paddock with access to a barn.

This type of stabling is great for horses who enjoy being outside and dont require a stall. The facilities included a round pen and an arena for training.


If you attend horse shows or clinics, travel expenses can add up quickly. In October, I visited several barns to attend clinics and lessons.

The cost of fuel can be expensive, but its worth it to attend events and learn from experienced trainers.

Money Well Spent

In addition to the necessary expenses, there are also opportunities to spend money on things that arent necessarily essential but are still worthwhile. In October, I spent money on a gift for my trainer and signed up for a ranch riding series.

The gift for my trainer was a pair of MDC Stirrups, which they had been eyeing for a while. It was a small gesture, but it showed my appreciation for all the hard work they put into teaching me and my horse.

The ranch riding series was a chance to compete in a variety of disciplines, including reining, cow work, and roping. The overall champion of the series would receive a championship buckle.

Competing is a great way to challenge yourself and your horse while also having fun. In conclusion, owning a horse is an expensive endeavor, but its also incredibly rewarding.

By budgeting for the necessary expenses and carefully considering the optional expenses, you can ensure that your horse is happy and healthy while keeping your own finances in check. Remember, with good planning and careful consideration, you can make the most out of your horse-related expenses.

3) Buyer’s Remorse

No Regrets

Have you ever purchased an expensive item and felt that twinge of buyer’s remorse? As equestrians, it’s easy to feel that way after spending a significant amount of money on our horses.

Whether it’s a new saddle, a custom bridle, or a top-of-the-line riding helmet, these purchases can add up quickly. However, it’s important to remember that these investments are not only for our horses but also for ourselves.

When we spend money on something that we truly value, we should not feel guilty about it. Yes, the price tag may be high, but we should remind ourselves that these purchases are for our own enjoyment and comfort as well as our horses’.

When considering a big purchase, it’s important to weigh the benefits versus the cost. If it will make your horse and yourself happier and healthier, then it may be worth the investment.

That being said, it’s important to also prioritize and budget accordingly. We should not go into debt over our horses or make impulsive purchases that we can’t afford.

By taking the time to research and save up for what we truly want and need, we can make purchases that we won’t regret.

4) Tips for Reining in Expenses

As much as we love our horses, the expenses can add up quickly. From feed and bedding to gear and tack, the costs of maintaining and riding horses can be significant.

However, there are ways to rein in expenses and still enjoy our equestrian pursuits. Here are some tips for saving money while still enjoying all that the horse world has to offer.


Trade is a time-honored tradition and is still relevant today as a way to save money. If you have skills or resources that someone else values, you can trade for items or services that you need.

For example, if you own a farm and have extra stalls or land, you can barter for lessons or board for your horse. This can be a win-win situation for both parties and can save you money in the long run.

Watch for Price Drops

Sales are a great way to save money on the things you need. Keep an eye out for sales at your local tack store or online retailers like Amazon.

You can also use browser extensions like Honey, which automatically searches for and applies discounts at checkout. By waiting for sales or utilizing discount codes and coupons, you can save a significant amount of money on gear and equipment.

Compare Costs Before You Buy

Before making a purchase, it’s important to do your research. This includes comparing prices on different websites and looking for the best deal.

For example, if you’re in the market for new stirrups, you can compare the cost of Compositi Eclipse Safety Stirrups on Amazon versus a local tack store. By comparing prices and doing your due diligence, you can save money and make informed purchasing decisions.

Additionally, consider purchasing items that will last longer, such as quality footwear like Twisted X moccasins. While the initial cost may be higher, in the long run, you’ll save money by not having to repeatedly purchase cheaper, lower quality footwear that wears out quickly.

By implementing these tips, you can help keep your horse-related expenses in check while still enjoying all that the equestrian world has to offer. Remember, with some research, creativity, and careful planning, you can enjoy your time with your horse without breaking the bank.

5) On the Horizon

Wish List

As equestrians, we all have a wish list of dream essentials that we’d love to have for ourselves and our horses. My current wish list includes a few specific items that I’m hoping to purchase soon.

The first item is a pair of Compositi Eclipse Safety Stirrups. These stirrups are designed to release your foot in the event of a fall, which can help prevent serious injuries.

As safety is a top priority, these stirrups are high on my list. Another item on my wish list is a pair of Twisted X Moccasins.

These shoes are not only comfortable but also durable and stylish. They’re perfect for wearing around the barn or for summer riding.

By keeping a wish list and prioritizing your purchases, you can make informed decisions on what to buy next. Its a great way to save up and invest in items that will truly make a difference in your riding experience.

6) Conclusion

Under Budget

It’s always a good feeling when you can stay under budget while still enjoying your equestrian pursuits. One way to do this is to plan and budget in advance.

By creating a financial buffer, you can be prepared for unexpected expenses that may arise. In addition to being financially prepared, you can also find fun new horse supplies that fit within your budget.

For example, a SaddleBox subscription box is a great way to try out new products while still staying under budget. These boxes contain a variety of horse-related items each month, such as treats, supplements, and grooming products.

Theyre a great way to discover new products that you might not have otherwise considered. By being strategic with your spending and seeking out deals, you can stay under budget without sacrificing your love of horses.

Remember, it’s important to invest in quality gear and take care of your horse’s needs, but there are always ways to save money and find more affordable options. This article explored various aspects of horse ownership and expenses, providing tips on how to save money and make informed purchasing decisions.

From riding lessons and clinics to health and fun, gear, insurance, stabling, and travel, the article covered the expenses associated with horse ownership. The importance of prioritizing and budgeting was emphasized, as well as the value of investing in quality gear and taking care of your horse’s needs.

Several cost-saving tips were provided, including bartering, watching for price drops, and comparing costs before buying. The article concluded by highlighting the importance of staying under budget and finding affordable options, while still enjoying your love of horses.


Q: Why is it important to budget and prioritize expenses when owning a horse?

A: By budgeting and prioritizing expenses, you can make informed decisions on what to purchase and ensure that you are not overspending on unnecessary items.

Q: What are some tips for saving money on horse-related expenses?


Bartering, watching for price drops, and comparing costs before buying are all effective ways to save money on horse-related expenses.

Q: How can I stay under budget while still enjoying my love of horses?

A: By being strategic with your spending, investing in quality gear, and seeking out deals, you can stay under budget without sacrificing your love of horses.

Q: Should I prioritize safety gear for myself and my horse?

A: Yes, safety gear is essential for both rider and horse and should be a top priority when making purchasing decisions.

Q: What is the importance of investing in quality gear for horses?

A: Investing in quality gear will last longer and save you money in the long run by not having to repeatedly purchase cheaper, lower quality gear that wears out quickly.

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