I can't afford a Horse

Messages 1 to 14 of 14.

I can't afford a Horse
14 September 2009, 12:23 PM

M J
Joined 1 Sep 2009
34 posts

Hi,

I had a couple of horses at a friends yard 8 years ago, becasue they were at a friends yard it was easily affordable and i did not pay that much for thier keep, just Insurance.

I had a very nasty accident and took most of the eight years to recover both physically and mentally, i am now ready for a new horse and pine after them every time i see them or am near. I get sick of riding lessons becasue i've done it all before and hate just riding in circles.

However having looked into having a horse i realise i just can afford one of my own. I shared a lovely Haflinger gelding about six months ago and he was gorgeouse but a little too flighty for me, dangerouse on the roads which had to be used to access the only ride able area.
also the place where he is kept was not very pleasant.

I am curious then what the deal is with 'Loaning' a horse full time, it seems that to loan a horse full time is to pay everything for the horse but not actually Own it? or is it a case of paying a fee to look after the horse full time as your own horse? could someone explain it to me and the pro and cons?

thank you, Sorry for the Essay.lol.

Martha

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I can't afford a Horse
14 September 2009, 12:32 PM

i love my precious princess <3
Joined 9 Mar 2009
63 posts

it just depends on the owner and teh type of loan, but alot of the time it is you pay everything for teh horse but dont actually own it x

___________________

nothing makes me happier than seeing my lil dog running happily round the park x

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I can't afford a Horse
14 September 2009, 12:44 PM

M J
Joined 1 Sep 2009
34 posts

thank you.

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I can't afford a Horse
14 September 2009, 12:53 PM

benson
Joined 14 Sep 2009
1 posts

I had a horse on long term loan for almost 9 years. I paid for everything, just didnt buy him. It has worked out really well as we have just retired him and he is now being looked after by his actual owner so we can move on and hopefully find another one. He is still at our yard so i can ride him when i want, but he is now too old and stiff for the competitions we were doing. I would recommend loaning as a really good idea, but it does depend on the person you are loaning from.

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I can't afford a Horse
14 September 2009, 1:32 PM

rin tin tin
Joined 25 Mar 2007
2779 posts

Full loan is fine , but always get a contract drawn up , although a caring owner should have that organised before hand anyway , you def have total responsibility for the horse , but owners can add clauses as to what you can do with the horse too , where in the country are you , my daughter is looking for someone to part share her warmblood nr Billericay essex , but he def needs a very experienced rider as he's very sharp and a bit spooky too , but also has a total darling of a temp (; she's not had a decent rider apply yet !!

___________________

A DOG IS FOR LIFE ! ! and def not for Christmas , please be his forever friend and care for him as you would a precious child .

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I can't afford a Horse
14 September 2009, 1:44 PM

M J
Joined 1 Sep 2009
34 posts

This is what really confuses me about long term loan, if you are paying for everything but don't actually Own the horse why not just get a horse you can own and Pay for everything?

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I can't afford a Horse
14 September 2009, 1:57 PM

rebeccahughes
Joined 17 Sep 2008
267 posts

With loaning, you avoid the initial payout, most come with everything (tack etc) and if you want to give it up you can with written notice so its less responsibility on the buying side.
Its like renting a house, its not yours but u pay 4 it?

___________________

GameBird!!

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I can't afford a Horse
14 September 2009, 1:57 PM

M J
Joined 1 Sep 2009
34 posts

Thanks for the advice, I live in Oldham, so Miles away unfortunately. I am quite an experienced rider and was quite confident but the situation i was in with The Haflinger gelding was not very good, I had nowhere safe to get used to him and no real support from the owner she just said i could do whatever i liked but didn't really stick around, I actually only saw her the first time i met her, it was wierd.
The horse wasn't as such the problem it was more the people and the place. he was just a bit lively, nothing a little scholling wouldn't have sorted out.

I hope you find someone experienced to help your daughter soon. thanks for your help.

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I can't afford a Horse
14 September 2009, 1:58 PM

M J
Joined 1 Sep 2009
34 posts

that makes good sense, thanks

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I can't afford a Horse
14 September 2009, 2:08 PM

sammy
Joined 3 Mar 2008
1 posts

hi
i look after a friends horse 4 days a wek and do stable duties etc, its just like having my own horse and its free, i know im really lucky to be able to do this,you could put amessage on this site for your area asking if anyone needs help.
hope you find something.

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I can't afford a Horse
14 September 2009, 2:10 PM

rin tin tin
Joined 25 Mar 2007
2779 posts

Thank you , and your'e welcome , just be carefull as there are a lot of con merchants out there where horses are concerned too , maybe look for a horse on full loan with the option to buy later , we got our first pony that way , the owner wasn't in a rush to sell and more concerned with finding the right person for her , so we loaned her for 6 months and then bought her ( and she was with us for nearly 15 years till sadly she had to be pts at around 29 years old due to a big heart murmur ) );

Our second pony was similar too , a friend of my daughter was selling her ( well her parents were ) and they said they wouldn't loan to anyone only sell her to the right home , once we had fallen for the girls desperate plea to buy her we said yes , but not for five months when we had a small endowment policy maturing , hubby thought he would get away with it (; as they said they didn't want to loan ! but they said straight away that it was okay as they knew and trusted us completely (; so five months of loaning later we got our money , paid for the pony and got a fiver change ! (; best £1,700 we ever spent as she was a stunner and a great jumper too ( eventually ) and we had her for over fifteen years too .

___________________

A DOG IS FOR LIFE ! ! and def not for Christmas , please be his forever friend and care for him as you would a precious child .

Discussion Archived

I can't afford a Horse
15 September 2009, 0:24 AM

Russett
Joined 3 Jan 2007
53 posts

perhaps you'd be better with a bike and a pair of jodphurs? ;-)

Discussion Archived

I can't afford a Horse
12 November 2009, 6:48 PM

Klee
Joined 5 Feb 2007
17 posts

HI Martha,

In my experience there are plenty of people out there willing to loan, part loan and share their horse, people these days are more wary of loaning out in case their horse is mistreated or goes missing, many insist they now stay where they are and the loaner come to them.

To be a good loaner you have to prove to the owner that you are reliable, capeable and trustworthy and gel with the horse - and can ride to the ability of the horse as an individual, these were the requirements I was looking for when I had to loan out my mare (years ago she has now passed away and I have a new one) due to unforseen circumstances, for most of us its the lesser of two evils, loan them or sell our beloved best friends and prized possession. Many people have to loan out begrudgingly, it costs alot of hard earned money to keep a horse and to buy one in the first place so mainly I would say its getting the trust and support of the owner which is very important.

In my youth I was lucky enough to find a lady who had her pony for 18 years from weaning, wanted a loaner to keep him where he was and acutally paid for everything - it was a dream come true.

But full loan at their usual home or away means you pay for everything and treat the horse as your own, intelligent owners would still insist on paying the insurance to make sure the horse was ok in any eventuality.
So, tips for keeping the cost of ownership down?

Go for a horse that lives out and lives near you so you are local and dont have to pay the livery cost for the stable or too much for travelling yourself
choose a horse which goes bare foot, the cost of shoeing can be eliminated, although trimming will still have ot be done regularly
you cant compromise on food really or fodder but source good quality economy products from local merchants, you dont have to feed blue chip!
Choose a hardy native sort not prone to the sniffles or winter weightloss, less vets bill you may have to pay for
consider part loan or share again, you will pay a fixed fee a week and still probably get the same hands on experience and riding without the whole burden of ownership, and trust me its not easy especially in winter, its hard cold work on those early mornings and evenings when you could be going out with your friends instead.

Good luck
X

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I can't afford a Horse
13 November 2009, 12:08 PM

charlotte
Joined 29 Oct 2009
30 posts

If your looking to loan which can work out nicely for both sides I would recommend a written agreement of some kind stating everything on it etc. The only thing with loaning is the owner can take horse back at anytime! which can be upsetting. Unless its a permanent loan agreement. Why not try a loan with view to buy?

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