Do you journal the cost of having a horse.

[Lexi 123]

I have a journal that I write everything down from the cost of having a horse insurance details and just general information about my horse. I also put photos for memory’s I was just wondering am I the only one that does this .

 

[Pippity]

Dear god, no. If I started totalling it all up, I'd have a heart attack.

 

[Shooting Star]

No, not that brave! I know what the basic monthly essential running costs are in term of overall household budget and choose to ignore the rest ?

 

[Widgeon]

Oh sweet Lord no

Why would you even ask this

*laughs hysterically until she passes out*

 

[maya2008]

As above, so long as there’s enough money to pay for it all, I would prefer to be blissfully ignorant ?!

 

[Widgeon]

Actually, every now and then I make a spreadsheet and tot everything up just to make sure I can still afford to keep him. The answer is always yes, but once I've done the spreadsheet I file it away and don't look at it again for another six months.

 

[SEL]

Oh sweet Lord no

Why would you even ask this

*laughs hysterically until she passes out*

Joining you needing the smelling salts ??

 

[Barton Bounty]

Good god NO!!!
Can just see my husbands face if he knew what I paid for those pikeur breeches! He would cut my card up on the spot ???

 

[Barton Bounty]

Joining you needing the smelling salts ??

Can i smell chlorophorm ???

 

[Roxylola]

Journal it? I don't even think about it!

 

[humblepie]

No. I do keep a daily diary of what the horse does but nothing financial.

 

[dorsetladette]

I did once - didn't like it! never bothered since. Why upset yourself. As long as I have fuel in my car, food in the cupboards and feed/hay in the barn I'm happy.

 

[Zoeypxo]

Nope, dont want to know how much it costs!

 

[Birker2020]

I don't personally. But I try to put aside £120 - £140 a week and this pays for everything horsey except for insurance.

 

[Peglo]

Nope! After all the other jobs, taking a note of it all does not interest me at all.

 

[sakura]

Yes, but not in a journal. I have a large binder with all important documents in and I religiously check my online banking. I grew up with my parents experiencing immense financial strain and stress and keeping on top of it is the only way I can sleep at night!

 

[Squeak]

I have a budget each month and input and breakdown all my costs so that I can see what I've got for the month and can plan for car servicing and other potentially larger costs. HOWEVER I never ever add up what I've spent on the horse... I could... but ignorance is bliss....

 

[AShetlandBitMeOnce]

I always did, but then again I am both an Accountant and a micro-manager of Finances. I had to be to save up enough to match the equity OH has in his flat so we could buy together and to overcome ADHD impluse related spending..

I have a 'life' spreadsheet as I call it which has my overall income per month mapped out against my regular monthly expenses for the financial year (I also map out future months and add/remove things as and when). I have another sheet on that same file which contains data re: my investments, pensions and savings pots for things which are short, medium and long term and how much I have in that pot vs the goal as a %. I then also have a sheet which I input my spending transaction by transaction which then SUMIF's onto another page by the month so I can see what my spending is like in each category compared to month on month or any outliers or things I need to watch (with annotations for anything that is unusually high)..

God I sound sad.. I definitely also don't have a sheet dedicated to the grocery shop with a stock take of the fridge/cupboards on it, nor one for all the house costs and a list of houses we viewed and what we did/didn't offer so I can have a look in 6 months' time on the land registry to see what they actually sold for.. nor another list of the exact items we need to buy with links and prices for when we move into our new house in November along with the solicitors costs and inspo photos when I come across them online. I definitely don't have one already fille dout with people I need to buy for for Christmas with a budget and ideas posted under each name already, which I fill out when ordered/delivered when the time comes.. That would be weird.

 

[poiuytrewq]

I do yes! I am a natural writer of lists and things, I love jotting stuff down so yes that is something I do. I never really add it all up cost wise but it’s handy to work out how long things last etc.

 

[Squeak]

I always did, but then again I am both an Accountant and a micro-manager of Finances. I had to be to save up enough to match the equity OH has in his flat so we could buy together and to overcome ADHD impluse related spending..

I have a 'life' spreadsheet as I call it which has my overall income per month mapped out against my regular monthly expenses for the financial year (I also map out future months and add/remove things as and when). I have another sheet on that same file which contains data re: my investments, pensions and savings pots for things which are short, medium and long term and how much I have in that pot vs the goal as a %. I then also have a sheet which I input my spending transaction by transaction which then SUMIF's onto another page by the month so I can see what my spending is like in each category compared to month on month or any outliers or things I need to watch (with annotations for anything that is unusually high)..

God I sound sad.. I definitely also don't have a sheet dedicated to the grocery shop with a stock take of the fridge/cupboards on it, nor one for all the house costs and a list of houses we viewed and what we did/didn't offer so I can have a look in 6 months' time on the land registry to see what they actually sold for.. nor another list of the exact items we need to buy with links and prices for when we move into our new house in November along with the solicitors costs and inspo photos when I come across them online. I definitely don't have one already fille dout with people I need to buy for for Christmas with a budget and ideas posted under each name already, which I fill out when ordered/delivered when the time comes.. That would be weird.

Lol this is like what I do. I may or may not also have the christmas list and may or may not also plan out on a spreadsheet the items that I need to buy and prices so that I can budget them in. I find it a great way of feeling just a little bit more in control of my finances.

 

[Cortez]

I used to have to do this as the horses were part of my business, so everything was costed out as a profit and loss thingy. All inputs, including water, electric, diesel for transport, etc., etc. My horses had to be profitable or we couldn't keep them, so each horse had it's own costs and earnings recorded.

 

[AShetlandBitMeOnce]

Lol this is like what I do. I may or may not also have the christmas list and may or may not also plan out on a spreadsheet the items that I need to buy and prices so that I can budget them in. I find it a great way of feeling just a little bit more in control of my finances.

I couldn't do it any other way now. To just wait and have a month like December where I know I will suddenly need to buy hundreds of £ worth of stuff stresses me out. I would rather have the christmas money saved in a 'pot' by August so it's ready and waiting. Same with a holiday or my car insurance.. OH is the polar opposite and has some savings but mostly just takes it as it comes - I leave him to it but secretly it drives me nuts!

 

[smolmaus]

I had a cost spreadsheet I updated fairly religiously through the winter, I haven't updated it in a while. Does looking at it occasionally cause panic and fear? Yes. Does it actually make a difference to how much I spend? Absolutely not.

I also have a paper diary I record daily details, when I started/stopped any supplements, how the farrier visit went, if she was particularly spooky or grumpy that day etc which is more valuable for spotting trends or changes.

 

[Sealine]

I don't usually keep a track but I've been thinking ahead and looking at retirement livery and wanted to compare costs to my current DIY livery. Last month I started a spreadsheet to log every horse penny I spend. I do love a spreadsheet. Last month I spent £391.04.


September will be expensive as I've got additional costs of another vet visit, dentist, 7 day livery as I'm on holiday, trailer insurance and horse insurance. I also need to stock up on bedding as I'm down to my last bale of shavings.

 

[Annagain]

I did in 2014. I recorded everything in my diary and it wasn't as bad as I thought it would be. I spent about £3500 during the year on DIY livery, hay, feed, wormers, shoes, lessons (riding club group lessons) occasional competing, the odd purchase, vet's bills (jabs and the odd minor thing) insurance and trailer maintenance. The only thing I didn't count was fuel (both back and fore the yard and to transport the boys) as it was impossible to calculate alongside my daily use. At the time I had a sharer for Archie (who paid £60 a month so I recorded that 'income' too) and I shared Monty paying his ridden costs - so shoes, saddle fit, extra feed etc. They evened each other out so tt worked out pretty much the same as it would for one horse. I don't scrimp and they get everything they need but I'm not frivolous (e.g. I have three numnahs, two brown and one white for dressage) and they're good doers so don't need lots of food.

 

[cobgoblin]

Computer says no.

 

[tda]

Oh sweet Lord no

Why would you even ask this

*laughs hysterically until she passes out*

This !!

 

[MuddyMonster]

I have a spreadsheet - well, I have a life spreadsheet for income, outgoings and savings.

I started it when saving for a house deposit and just kept it up, although there are definitely more extras on it than when I started it ?

Not knowing where money was going snd how much I was saving would be more stressful for me, personally.

 

[tda]

I always did, but then again I am both an Accountant and a micro-manager of Finances. I had to be to save up enough to match the equity OH has in his flat so we could buy together and to overcome ADHD impluse related spending..

I have a 'life' spreadsheet as I call it which has my overall income per month mapped out against my regular monthly expenses for the financial year (I also map out future months and add/remove things as and when). I have another sheet on that same file which contains data re: my investments, pensions and savings pots for things which are short, medium and long term and how much I have in that pot vs the goal as a %. I then also have a sheet which I input my spending transaction by transaction which then SUMIF's onto another page by the month so I can see what my spending is like in each category compared to month on month or any outliers or things I need to watch (with annotations for anything that is unusually high)..

God I sound sad.. I definitely also don't have a sheet dedicated to the grocery shop with a stock take of the fridge/cupboards on it, nor one for all the house costs and a list of houses we viewed and what we did/didn't offer so I can have a look in 6 months' time on the land registry to see what they actually sold for.. nor another list of the exact items we need to buy with links and prices for when we move into our new house in November along with the solicitors costs and inspo photos when I come across them online. I definitely don't have one already fille dout with people I need to buy for for Christmas with a budget and ideas posted under each name already, which I fill out when ordered/delivered when the time comes.. That would be weird.

I like your style ?

 

[TinseLeneHorse]

I had to do an estimate for my financial adviser. She had thought I was financially in a good place based on my salary and 'normal' outgoings. When we started on the horse expenses the colour slowly drained from her face