Not much more to add to be honest, the best thing you can do is work out as near as you can an annual 'costing' eg, how much for shoeing per year, worming, how much bedding per month x 12, work this all out for the year and you will have a nearish costing per month. it is always good to have a cushion if you can. Look at different available options, barefoot v's shoeing, worm counts vs worming, KBIS do the best value insurance, way way lower than anyone else I have found and have good reviews in terms of customer service and paying out. Clipping cost... will you clip out? Will you shoe or trim and maybe use boots? Look at suitable feeds and cost more than one up, it may be that a chaff and a vit/mineral supplement works out cheaper for you, and will suit this horse. There is somewhere a thread where someone kept a cost diary and put it on horse and hound. I can't remember who or what the thread was called but someone else might.
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