Cost of Owning a Horse: January 2022 Expense Report

How much do horses cost? Here’s my answer for January.

These reports are intended to be a tool for horse enthusiasts who are considering buying (or leasing) a horse and want a transparent look at the real cost of horse ownership.

(If you’re new to these expense reports, make sure to read the “reminders” section here for background on my finances.)

Here’s the recap of where my horse funds went for January:

32% Education
26% Stabling
15% Health
17% Gear
4% Insurance
4% Travel
2% Fun

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Cost of Owning a Horse This Month

$1,282.95 // Education

$400 – Lessons (Bartered down to $280)
$72.95 – Mindset books
$85.00 – Working equitation clinic (Bartered down to $0)
$275.00 – Jumping clinic (pre-payment for April event)
$450.00 – Mindset Boost group

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$615.99 // Health

$33.04 – Knotty Horse Leave In Conditioner (See it at Amazon)
$35.98 – ViaCalm Supplement x 2 (See it at Amazon)
- I bought the second canister for a friend.
$210 – Farrier
- Regular shoeing for my cow horse + trim for my barefoot pony
$160 – Pony Dental
$46.67 – SmartPak – EquiThrive Essential (cow horse)
$46.39 – SmartPak – SmartDigest Ultra (cow horse)
$46.96 – SmartPak – SmartDigest Ultra (pony)
$36.95 – SmartPak – SmartMuscle (pony)

$699.35 // Gear

$36 – Etsy Stall Plates
$25 – Kerrits neck wrap
$35 – Horseware shirt consignment
$32.89 – 11 heated insoles
$38.69 – Surcingle
$35.09 – Lunging head collar
$76.95 – Smaller shire girth
$17.99 – Barrel racing reins
$42.52 – Soft lunging aid
$6.33 – Roma martingale stopper
$86.95 – Stubben loose ring double jointed snaffle
$42.99 – Western bit for the pony
$18.23 – Browband (Used credit card points to get to $13.46)
$44.73 – Turnado Bit 5″
$159.99 – Heated base layer pants (Used credit card points for this)

$144.08 // Insurance

$14.58 – Equisure Liability
$129.50 – Berkley Mortality & Major Medical

$1,050 // Stabling

$475 – Cow Horse (Bartered down to $175; includes 10% prepayment discount + 10% multi-horse discount)
$475 – Jumping Pony (Bartered down to $0; includes 10% prepayment discount + 10% multi-horse discount)