I’ve been in your situation before. It is hard being a teenager who wants something so bad but can’t make it happen on your own. My mom was not happy that I was riding, she wanted me to spend all of my free time studying. My dad was supportive so that helped, but I got a lot of backlash from my mom.
Here is what I did when I couldn’t lease or own:
- I found people who had horses they didn’t have time to ride and let me ride and show for free.
- I connected with an awesome trainer or two who gave me lessons and then eventually was allowed to ride some of her client’s horses. This lead me to riding a Grand Prix horse whose owner was a lawyer with minimal time to ride. I got to ride an awesome horse for free anywhere from 1 to 6 days a week.
- Once I got a job in college, I half leased. Again, I connected with awesome people who only charged me a $150-$250/month for a “half lease” but let me ride as many days as I wanted
- I found a trainer who had several horses available to ride but didn’t ride, only taught lessons and bred horses. I went to her farm each weekend and for weeks at a time during the summer. I rode as much as I could and was around horses all day long.
- Took lessons 2 or 3 times a week – I would probably do that again in the future if the occasion arises. I learned so much more and progressed faster than I ever had.
The best part about all of them? I didn’t have to think about money, tack, vet bills, etc… I had no worries at all and I loved it. My parents had very little to pay since these people weren’t asking for much anyways. I did this from 6th grade to my junior year of college.
What happened in junior year of college? I bought a horse and struggled financially. It was stressful. I loved my horse oh so much but know buying him was not a smart idea. I ended up selling him 3 years later, after I full leased him about for 2 years.
I’m now 28 and currently free lease an awesome horse (seriously, the owner could have asked for a lot of money but didn’t). I board an upscale facility, my horse gets body work monthly, and so much more. I’m finally where I wanted to be when I was 17. If you had told my 17 year old self that I would finally have my own horse in 10 years, I would have cried, but it happened and not having my own horse at 17 hasn’t had any negative effects.
Just remember, it isn’t the end of the world if your parents don’t lease a horse for you. Just because you can’t lease now doesn’t mean you won’t ever be able to in the future. Trust me. I thought my parents could afford a horse but now that I pay my own bills and have my own salary, there is no way they could have, much less half-lease a horse. I don’t even know how they were able to afford my lessons, camps, shows, and show clothes.
Just something to consider, have you, your parents, and your trainer sat down and talked about the actual costs of owning a horse?
Shots, farrier, board, tack, show, vet? If not, then I don’t recommend proceeding with a lease just yet (if your parents agree to it). How do you know if they can afford it? Do you know what their monthly income is after taxes (taxes SUCK), do you know what their monthly bills are? It can easily get close to $1000/month to lease or own a horse. Not knowing where you live, I am assuming $100/lease fee, $400/board, $100/farrier, & $200/lessons and those prices are considered cheap in my area. Don’t forget horses need shots, dewormers, first aid kits, tack, blankets, shows, and if you are leasing, the owners may ask for insurance which can be around $1000-$3000/year.
As a reference, for a 2 person household (and we both make really good money since we are in the tech industry), we pay over $3500/month in bills (it is more, but I stopped adding it up because it was depressing ha) and that doesn’t even include how much I spend on the horses and dogs. Even if you have an idea of how much your parents may make a month, unless you’ve sat down with them while they paid all of their bills, it is really hard for someone to understand how much their parents can afford.