What does everyone do?

Re-posting this thread in here as I don’t think it was well suited to the Hunter/Jumper forum: what does everyone do to afford their prized possessions (being horses) or stay afloat on the rated H/J circuit?

Whether that’s going to school for years on end to acquire a well-paying gig, enrolling in something part-time to pay the bills or perhaps you’re one of the lucky ones who doesn’t have to worry! I, myself, took a long hiatus from horses to go to school, obtained my professional engineering license and am lucky enough to say I found my way back into the horsey world with my own warmblood filly purchased this year. What’s your story?

(I’ve tried searching similar threads but can’t seem to find one posted recently!) Decided to re-open this discussion.

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Worked for 40+ years as a high school teacher (Eng. Social Studies, Psychology) and did some freelance writing on the side. Retired now and spend all my time on my farm with my horses. Also live in a horse-rich community (30% Amish) so anything horse related is cheaper than some areas --literally a harness shop and horse shoer on every corner and vets who compete for business. Hay is cheap --even the best hay available rarely goes for more than $5-6 bale delivered and stacked.

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I’m a principal. Before that, I afforded one horse on a teacher salary when living in Michigan.

Work within the horse industry, and barter with generous, kind customers who value what you bring to the table and wish to compensate you for it.

Biotech sales. I manage a team of sales people on the West Coast. Means a lot of travel, but also a flexible enough schedule to be able to fit in shows through the summer.

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Middle school teacher married to a middle school teacher. We are both top of the pay/experience scale and lucky to have never had college debt. This affords is a small farm and I can keep one horse in training. I don’t show on the A circuit much but enjoy B/C or local shows several times a year with maybe one or two A shows along the way.

Teaching gives you summers off but no chance of time off for a week here or there during the school year. And that last championship show or medal finals show in August? Yeah not happening as that’s first week back! Boo!! Hiss!!

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I was gifted my mare for christmas when I was 7yrs old. When I moved from mi to tn for college she came with me and I learned very quickly how expensive her care was. I had my 3 yr old son, my no job bf that never paid a bill for the 4 yrs we were together, and my dog. Both parents had already passed, and it was hard, even with the money Id been left thru my parents, between college, board, bills, rent, and daycare it went fast.

I took my son with me to my college classes that I could when daycare wasnt open and then when he started school to save money on babysitters when said ahole bf wanted his time to himself, leaving me stranded w my son, luckily my teachers were soooo supportive. I worked at a bar at night and either my bf at the time, bc it was at night so hed be home anyways, or after i booted him, my friends would watch my son for free bc their kids were sleeping too, so what was one more kid sleeping at their place? I would work till 3 or 4, come home w my son, get him up for school n on the bus, and then head to class.

Honestly, college was 23k a SEMESTER, even w student loans and grants, i had to drop out. I worked weekends at my barn to offset boarding costs, got food stamps to help w groceries, lowered all my bills as much as I could, washed dishes by hand in the sink then boiled a pot of water to sterilize them. I moved to a smaller rental to save money, bought cheaper food and dog food. Sometimes board was still late, luckily I was bffs with my bo, still am to this day.

After I had to leave college, I worked for a const co building a power plant 1.5 hrs from my home. The money was worth it though. I got a cheap car to save gas since my trailblazer guzzles gas. One of my barn friends mom had just sent my friend off to college, and lived across the street from my sons school. She watched him every morning for me n took him to school.He helped with her empty nest single mom syndrome lol. I would drop him off at 5am, be at work by 7, leave work at 5 and and pick him up from boys n girls club by 630. I had to FLY in the evenings to get him ontime. I had a const co as a subcontractor there that their office was only 10min from our home, started working there when the power plant was almost finished, that was in 2011, I still have the job and have gotten a dollars worth of raises every yr bc i bust my butt and work so hard. I met my now fiance of 10 yrs right around when I left working at the bar, and it got easier moneywise but there were still tight times and I still had to work every weekend at the barn to offset board.

After we had my daughter, my mare became toothless so feed costs went sky high, pasture board became stall board, still working weekends but when my dh worked weekends, I would cart both kids to the barn and my son would have to sit in the car n watch her for me while i worked. Honestly, my son came to hate it, qnd Id have to bribe him w sleepovers w his friends, or video game time to get him to even get in the car…

I had bred my mare thinking I could train n sell the foal. This was while I was still in college mind you. He came out the size of my springer spaniel, had to be bottle fed the first 24 hrs, couldnt nurse, had ulcers from not nursing or eating well the first day of his life, ulcers in one eye from shavings, and had to live in a stall for 6mo, and be walked on a dog leash and harness so he couldnt run and snap his legs. His legs were crooked, they straightened out mostly, his back fetlock joint rolls slightly sideways as he walks, to this day!! Oh and his back hooves grow dished in, and he has no sulcus grooves, his frogs are all one piece in the back.

I was in debt up to my eyeballs, still am today up to about my chin but its managable lol. I eventually switched my pony to a friends field so no boarding costs, lived on 5 acres which turned into 15 when the neighbor opened his cattle fences so they could all share n a stream and the cattle pond. My mare I found a smaller barn that offset her board costs since I was buying all her feed, she didnt eat their hay, and even the grass she ate she basically chewed up, sucked out the “juice” from it and then spat back out, leaving it for her pasture mate to eat, so not truly taking away their grass either. I went from paying 500 a mo before my working the barn hrs money was applied, to paying 185 a month plus her feed. My pony they let me keep their on pasture board for 125 a mo since he didnt eat grain and is bottom of the herd so the hay they put out he didnt eat much off, basically just ate the grass and drank water. They had good grass there, he had to be muzzled bc he was getting too fat lol.

After all that, my son is now 18, my daughter is 7, my dh n i bought a home with 3.6 acres, the week before closing, my mare died :frowning: it was almost a relief since she had been going down alot bc of a stifle arthritis issue, i really think she had a bone spur, and she had just went thru an ulcer bout from hell. Care credit paid for her vet and UT vet school bills. Im still paying on that… we were lifting her up with straps and a bobcat and I just finally had to make the call. I was trying sooo hard to keep her alive to finally be on MY land at MY barn, it was always my dream, but it didnt happen.

After her insane ulcer issues and the hell of that, and then going down all the time, my friend from the barn she was at when she had her foal n everything took her back, basically told me its winter, I have a stall, Im going to get her, u stay at work, ive got your mare and ill see you this evening at my barn. She went n got her in a snow storm lol, and my mares bff who was my friends senior mare was still there for them to live as grouchy senior ladys together. They both ate the same thing too so it made sense. She knew my mare wouldnt last much longer and didnt charge me a dime. My mare passed at her place with all of us holding her, her head in my lap, and her senior mare bff standing over her.

Her son is now at our place, I turned him out before starting this and Im sorry that it turned into more of a theraputic, pms filled ramble for me more than much help to op, but my point is, there is always a way to make it work. There were times i would just break down and sob over the fact that the one thing i was fighting so hard to keep was both the cause of my frustration and financial headaches and yet the only thing that solved me being so sad and stressed.

My life woulve been much easier had I just gave up, sold her, gave away my pony as a pasture mate to someone and called it quits w the horses for a few yrs at least, but I couldnt. I had my mare in my life 27 amazing yrs, dad passed when I was 11, mom when I was 19, there was no way in hell I was going to let go of the last thing I had from them, especially when I had my mare longer than I had either parent.

Even today, my relationship w my dh is slowly going to hell, I wonder everyday if hes going to wake up and say lets sell the house n split up, I’m done with everything, hes said multiple times, this house n the barn is your dream, not mine…but I fight thru those bad times because with my debt, i know i would be struggling soooo hard to keep my pony and live on my own w my two kids, well son ab to start college but boys arent men till theyre at least 26 lol. So I still push, and work thru all the bad times so I can hold onto the pony I have left from my mare.

Sorry. You asked for everyones storys of how they make it work, thats my insane life in a morning cryfest nutshell, thanks for letting me vent/share. I actually feel better now than I did when I woke up 😘😘😘

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Wow @carman_liz, thank you for sharing! I love success stories that involve some of the most un-ideal circumstances and hardships, and even through that you were able to make it work for you, your family and your horses! You should be more than proud!

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I’m a super highly-trained and underemployed academic scientist.

I’ve never purchased a horse, but worked my way up riding and showing “difficult” horses or horses who needed training/a show record for sales from when I was in Graduate School. I was gifted a Trakehner mare for the work I did with her from a family I became very close with. I traded her for a young Westfalen gelding with an older student of a long-time trainer and friend of mine. Student wanted a horse she could comfortably/safely get her Bronze on, I wanted a horse with more potential for FEI work. Both horses have excellent and more appropriate homes.

I’ve bartered a lot to board at great places in the past, and sometimes still do. At my current barn, most of the boarders are professionals and we have a professional trainer that works out of it. We all trade favors with each other to make life manageable and keep costs down. I drive a long way to keep my horse at this barn, which is on the cheaper side but is 100% amenable to the lifestyle he prefers (individual turnout in a very well-maintained pasture, shares a run-in shed, neighbors on both sides, has a dedicated stall for inclement weather) and I prefer (well-maintained arena with lights, barn owners who work with me, absolutely fabulous atmosphere, a dressage trainer who comes to the barn, and an on-site trainer who is great with training horses to do things like load, walk through water (took my horse SOOOO long to do this), has cows occasionally brought on the property, etc.).

I wouldn’t say my job afforded me all of my horse luck. I’d say hard work, networking, and being honest and kind with people/horses helped me afford my rich life with horses through the years. I’ve regularly ridden with some top FEI trainers/Olympians/S,I and O judges, audited a bunch more clinics, have been a demo rider for USDF trainer classes. I didn’t get these opportunities through a well-paying job but they sure enriched my riding/training experience. Well, a well-paying job is currently paying for my dressage lessons and Rolf Janzen clinics, so…

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I am a legal assistant, been doing it most of my life, with a year off for a paid position with a political campaign. Bought my first horse when I was 24, and am still riding - and still working full time - at 74, because I still have a horse. Hope to retire in a coup!e of years, but may have to work part-time. We shall see…

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My horses are kept at home so the out of pocket expense of hay, grain, farrier & vet is the loss. The ground they live on will provide a return of the investment at the time we decide we have to sell our small place.

My best horses have turned out to be the ones that cost the least: free, $400 and $600. When I sold it, I’ve lost money on every horse I spent $3000 or more to purchase. For the record, all of those horses have been registered horses. :slight_smile:

I fox hunt my horse and it’s pretty affordable as compared to other horse sports. Showing in ADA driving shows gets costly quickly due to hotel expense and fuel to get there so I limit that to 2 or 3 shows a year.

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Bought horse property.

A house in my chosen area might cost $500K. A house with enough land for 6 horses (and not an inch more!) might run $550K. It’s more, but not a lot more. And when you sell, 20 years later, the property has gone up in value.

That way I didn’t shell out board money to the tune of $500-900 a month per horse. AND I could keep my 3 horses, and board 3 others, so the 3 boarders paid the hay costs for mine.

We were lucky enough to live in a town with a riding club that had arenas and jumps and a pony club, so I didn’t “miss out” on that stuff.

Performance Analyst for Emergency Telecommunications Service

Insurance and risk management. Self Employed.

The insurance industry as a whole has a wide variety of positions, and many of them not only pay well, but offer flexible options and work-from-home options. I have an MBA and several specific insurance designations, and my employer at the time paid for most of the MBA and all the designations. Nothing will put you to sleep faster than an insurance text book, but I put my nose to the grindstone and learned my trade and carved out a little niche for myself that allows me my current schedule and pay.

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Biostatistician at a big hospital in Boston. For now. And quite frankly, DH pays for some things. He is retired, and we are “comfortable” financially, as long as my health holds up. My beloved mare may be my first and last horse.

Thank you!! ☺☺☺ I just did what I had to do to make it work.

Currently studying my undergraduate degree to either get into Medicine or Dietetics, working in a retail job that is making me want to pull my hair out. But it will be worth it in the end. My husband is also studying and just finished his Nursing degree. So one of us will at long last have a real adult job with real money after the last 3 years of being the epitome of poor college/uni students.

I’m in my mid 30’s and after years of working with horses, I decided to go get a well paying job outside of horses so I can afford to enjoy them. It’s a huge commitment and some days I feel slightly insane for doing it. Working with horses for so long has certainly taught me resilience and patience, which I desperately need for the insanity of 6-7 years of study.

I’ve been lucky to be blessed with a sticky seat and I’ve mostly trained my own horses up from scratch and sold them on for decent money. Even though it’s a slow process, it has enabled me to have the two very nice horses I have today. I’ve either boarded them or rented my own property, depending on where I’d been in life. Some periods have been easier than others. I’m VERY lucky my inlaws now own property so the horses live with them. Without that, things would be a lot harder.

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“Morning cryfest nutshell” is my new favorite phrase. Great story showing resilience. The longer I live, the more I believe that resilience is the most important virtue and the basis for every other good thing we can do in this world!

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I seriously wanted to do seminars at highschools for girls!!! But then I realized I didnt even have the time to shave every week let alone that! Then I thought of it again the other day but in this world I would end up with a lawsuit somehow, toooo much liability. But yes you are so right!!!

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I literally work off my board cleaning 20 stalls on both Sat and Sun and feeding them as well. Knocks $50 a day off my board. Allows me to put my horse into training rides 3-4 days a week from the offset of the board. We’re not showing yet, but plan to just do local shows not A/B ones. As a junior it was all about win win win, and now as a 45 year old ami rider I just want to enjoy my horse and if we get a ribbon great, if not hopefully we have and gain some good experience in the ring. I don’t want to put pressure on myself or my horse.