FAO those people who have a house,car and horse...

horsesforever1 said:
LOL and splurts coffee all over computer. Does anyone remember the poster who used to get the groom to put Derby House deliveries into the oven (!) as her husband didnt look in there?
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lol do you think my rugs just ordered from premier equine will fit in my oven!! :D

at time if posting im sitting hugging hot choco with no central heating as it broke yesterday morning but hey at least my horse is warm :D
 
Gosh, I feel really lucky having read the majority of responses. We've got 2 cars, 1.5 horses on DIY livery, 2 houses (2nd is rented out so is paying for itself now), no kids. We put a significant amount of money away into savings every month.
 
As I do contract work I have to manage my money to ensure that at the end of each contract I have at least 3 months money stashed away. I managed to get nearly 4 this time but that is rappidly vanishing at the moment as for the first time in 5 years I am struggling to find a new role :(. What this means is when I am working I put away £500 a month until I have my reserve fund and manage my money to that - I effectivly pretend I earn less! I manage to run a horse on sort of livery, a horsebox, mortgage and we have managed to run BE for the last 2 seasons. If however I don't find a job soon I will be selling a kidney in the new year!

Anyone maybe want to buy a horsebox ;)
 
Im pretty lucky tbh. Im a full time student and have a part time job- my other half pays for house, car and horse (on assisted livery) .....cant wait to get a good job when i finish uni, im owe him big time though lol!
 
same as everybody else- nothing or at most enough for a lesson.

I live off rations, a cheap car (that i'm never going to be able to replace), and bare essentials- while my horse sits in lovely big stable with lovely deep bed, the best feed and the warmest rug......theres got to be a balance missing here!!!!
 
I seem to be in a minority (sorry!).

Normally have about £1k pm left over - have a 4wd, a house, one child, one horse, and two cats.
 
2 horses, 1 cat, 1 car, 1 mortage = skint!

The boys have just had there backs done, 1 needs his teeth done and they both need shod this month too = Poo!

Still, I love them all to bits and I'm pretty good at budgeting, my boys have a bank account, so does my car, and even my cat has an account with the vets. Everything they need goes off into these accounts and what I have left pays for the bills. I have not life outside of horses though, I'm now one of these people who goes into a pub (on very rare occasions) and drinks juice :)
 
Ali2 said:
Gosh, I feel really lucky having read the majority of responses. We've got 2 cars, 1.5 horses on DIY livery, 2 houses (2nd is rented out so is paying for itself now), no kids. We put a significant amount of money away into savings every month.
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Probably being a "we" helps!

I run a house, car and horse on one salary and have very little left over.
 
martha said:
Probably being a "we" helps!

I run a house, car and horse on one salary and have very little left over.
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Agreed - when my OH was working all of his salary was for luxuries. Now he is taking a sabbatical to renovate the house so we are on one salary. Long term it will work out better as we haven't had to pay someone to come in and do the house, build the stables, put the fences up etc... I quite like him not working though - means my tea is on the table when I get home and I have all my washing and ironing done :) He also brings the horses in (if needed) before dark. It means we have much more quality time together, despite having less money...
 
Exactly none. :( sometimes less


I have an OH, he pays exactly half of the household bills only and not a penny more, I am grateful for that I guess. I used to get narked at him when in company he'd talk about how much money "we" spent on the horses so I started talking about how much "we" spent on his car payment and he got the message. Sometimes I wish he would help me make bigger purchases (I'd like a better trailer and newer 4x4) he earns a lot more than I do and has a good savings portfolio but really it's not my business how he spends it, but sometimes when I'm finding it hard I wish he would help me.
 
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hollyandivy123 said:
slightly off topic but heres a suggestion for all of us payed monthly...........get your wages payed into your savings account, then set this up for the mortgage and what ever monthly bills, then work out how much you have left and pay this into current account weekly and then live with this weekly budget.................but here is the catch under pay yourself and this is a hassel free way of saving. i use to do this when i was a postgrad all those years ago,
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We do something very similar. Wages go into current account, fixed amount goes into e-savings so we cant get at it easily, another sum goes into our 'bills account' - mortgage, electricity, phone, insurance are all direct debited out of this. Whats left in the current is our monthly food, petrol and spends. At the end of the months it not much - literaly a few punds, and thats without nights out, takeaways. Ho hum.
 
Usually minus nowadays! I only took on a mortgage in November of last year, before that I didn't realise how lucky I was having money to spend on whatever I wanted! With a mortgage, bills and 2 cars - its not the best :( But then again, we do have "luxuries" like 3 horses and 2 brand new motorbikes... which I guess for our 20's is ok.

I pin my hopes on winning the lottery.
 
None, very negative actually and I have an OH but we keep our money separate (damn). Trouble is if I do have any spare i just go and get more horses so only myself to blame. I find paying off horsebox the real balance tipper though!
 
we own our home have 2 cars and a horse- we usually have £300 left at the end of a month which we save for either house repairs or holiday stuff.
 
We have a house with a huge mortgage, 2 cars, 2 cats, a dog and two horses in livery and at the end of each month I'm always down to less than zero :(

We've been hanging on hoping for the business to take off for the last 3 years! I have a knackered old car which I can't afford to replace and this week the clutch AND the head gasket went on it so I'm now relying on lifts from OH.

Horses are worth it though! :)
 
Well so glad I'm not the only one - in a strange way this has cheered me up... Mortgage, car (and the associated close on 60 mile round trip I do in it 5 days a week) and of course B means not a lot of pennies in the bank! Christmas is being done courtesy of Mastercard, will worry about it in January...
 
Nothing! Always borrowing from Peter to pay back Paul. High mortgage (roll on January when I'm out of my fixed rate), 4 horses, 3 dogs, 3 cats. Winter is always worse, hay price has gone through the roof as has shavings, somehow I never seem to notice it as much during the summer.
 
ok i admit it would be nice to have a grand expensive xmas, it would be nice to buy my family and friends wonderfull prezzie etc. but why do people get in exessive debt to do this. me and my OH have a limit which is £10 for each other, you have to come up with an idea not just rely on the credit card. (i don't mean this to sound patronising etc )
i was dragged up with the idea of if up can't buy it with cash then, wait save, then buy don't get into debt. i know emergencies happen etc and i am not talking about that. you should have seen the hyper ventilation when i signed the mortgage i can still feel the heart going now.
i have seen so many friends go through pain when one gets made redundant or something else happens out of their control.
well ready to be shot down in flames.................................
 
hollyandivy123 said:
ok i admit it would be nice to have a grand expensive xmas, it would be nice to buy my family and friends wonderfull prezzie etc. but why do people get in exessive debt to do this. me and my OH have a limit which is £10 for each other, you have to come up with an idea not just rely on the credit card. (i don't mean this to sound patronising etc )
i was dragged up with the idea of if up can't buy it with cash then, wait save, then buy don't get into debt. i know emergencies happen etc and i am not talking about that. you should have seen the hyper ventilation when i signed the mortgage i can still feel the heart going now.
i have seen so many friends go through pain when one gets made redundant or something else happens out of their control.
well ready to be shot down in flames.................................
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I agree absolutely totally 100%:) If only more people were this responsible .
 
um none usually and that is in the red.... but I wouldn't change a thing. I have mortgage, 2 dogs, 1 horse and a 4x4 and don't live in the cheapest of areas either
 
Depends how much I've got off my ar*e and worked... I'm extremely lazy and don't work everyday... if I worked every week day I'd have lots over... but I don't often do this- so usually I break even... (Unless I want something which drives me to work more)

Bx
 
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