Horse purchasing… head vs heart

[fredflop]

So.:. Going to look at a horse for sale tommorow. Basically ticks all the boxes for r the next horse i was planning to buy. Wasn’t planning on purchasing for a couple of years. So assuming I like him…

heart - horse is exactly what I need/want, in the right price range, will do what I wasn’t, isn’t too young/old, nice character to be around, doesn’t have any faults… buy him.

head - the intention after selling my last horse was to try and save up a nice pot of cash. (Not going so well after my car has had a lot of work that’s needed doing on him.) I’m not going to save any money buy getting a new horse, in any way shape or form. I don’t really need another horse at all.

can afford livery etc monthly with the cost of living going up etc. obviously by getting a horse it then means the money I have available to go into a savings pot reduces. Should be up for promotion at work within the next 6 months, which comes with a massive increase in monthly wages.

 

[Peglo]

Always go with your heart!! Buy the horse!

 

[JBM]

I vote for the horse your promotion will help and perfect horses don’t come around often
Pictures!

 

[Wizpop]

Horse!

 

[PinkvSantaboots]

Life's too short always buy the horse fingers crossed that the viewing goes well ?

 

[Flowerofthefen]

Life is too short...buy the horse if ge ticks nearly all the boxes.

 

[ycbm]

I was on head until the promotion. If the salary increase is a near certainty, buy the horse! And pretty please post photos ?

 

[Hormonal Filly]

Yep.. agree with the above, we only live once and we never know when our last year might be. Buy the horse, enjoy!

 

[WispyBegs]

Absolutely go with your heart! Life is too short.

 

[Glitter's fun]

If you still think he ticks all the boxes after you view him then definitely buy him. Chances of another like him coming along when the time is exactly right are slim so grab him now.

 

[dorsetladette]

You were looking at adverts, have arranged a viewing, so if its not this horse i think you'll be buying 'A' horse at some point soon.

Think your decision has already been made - buy the horse, well 'A' horse anyway.

As my kids would say YOLO!!

 

[criso]

I know so many people that have struggled to find the right horse, endless viewings, horses being sold before they can view and multiple failed vettings. So if it's doable and the horse is right, then buy it.

 

[Pearlsacarolsinger]

Your definitely asking the wrong person here, if you want someone to say no to the horse!

 

[Goldenstar]

I not going to enter this one because ,me , Mrs I don’t want any new horses am also viewing tomorrow.

 

[Annagain]

Why are you saving? If it's for something you really need, wait a bit until you've got it. If it's just to have savings and you're already ok on your current salary, buy the horse and save the extra the promotion will give you.

Have you taken increased fuel bills and inflation into account when you say you can afford everything?

 

[Toby_Zaphod]

From your post it appears that you have already made your mind up. I imagine you have seen & read an advert & the horse sounds perfect for you or possibly even seen video. STOP! You must look at the horse objectively, does the horse actually do what the seller says he/she does. Some owners 'over egg the pudding' & wax lyrically about their horse but skate over the bad bits or even keep them out of the advert. If possible take a friend with you & hopefully that person will be the voice of sense & reason and ensure you don't get carried away & make a decision you may may & later regret. I don't want to talk you out of it but remember horse sellers are the second hand car dealers of yesteryear so be very careful & wary. Don't be swayed with their reason for selling, try & take emotion out of the transaction & don't tip your hand that you really want the horse. Annagain makes a good point, don't spend money that you believe you will get it the future, it may not happen & if you have a house fuel prices are about to rocket so don't leave your self short. Only you can make the decision to buy or not but please be careful, don't commit if you are not sure & can afford the extra expense.

 

[Widgeon]

I was on head until the promotion. If the salary increase is a near certainty, buy the horse! And pretty please post photos ?

Yep me too. If you're confident in a salary increase I'd go for it.

 

[catembi]

Buy the horse...! (Or maybe don't listen to the crazy horse lady who was up to 7 at one point...)

Even so...buy the horse!

Aaarrggghhh, I want to buy one now! Haven't had a new one since Feb...am getting the itch...

 

[Annagain]

Annagain makes a good point.

Just wanted to highlight this. It doesn't happen very often. Feeling quite pleased with myself now.

 

[Barton Bounty]

Go with your heart! Buy the horse

If you need a newer car, why dont you do what a lot of people do now… pcp

basically a new car for around £250 a month, my friend does it and she has had two new cars in 18 months! No extra atill
Just basic price

 

[Cortez]

"I not going to enter this one because ,me , Mrs I don’t want any new horses am also viewing tomorrow."

 

[fredflop]

Go with your heart! Buy the horse

If you need a newer car, why dont you do what a lot of people do now… pcp

basically a new car for around £250 a month, my friend does it and she has had two new cars in 18 months! No extra atill
Just basic price

pcp is one thing I would never ever touch with a barge pole. Had to do it once when I needed a car urgently and I ended up paying a lot more than initially expected

 

[cold_feet]

I think you need to make this decision before you view. No point in viewing if you might decide not to buy even if the horse ticks all your boxes.
ETA I think you’ve already decided ?

 

[SEL]

"I not going to enter this one because ,me , Mrs I don’t want any new horses am also viewing tomorrow."

You snuck that in quietly!!!

It's an addiction ?

 

[ycbm]

"I not going to enter this one because ,me , Mrs I don’t want any new horses am also viewing tomorrow."

?

 

[Arzada]

horse is exactly what I need/want, in the right price range, will do what I wasn’t, isn’t too young/old, nice character to be around, doesn’t have any faults…

head - the intention after selling my last horse was to try and save up a nice pot of cash.

Give your head a wobble. It should know that a horse as great as the one you are viewing will take a bit of finding regardless of budget. Looking forward to the pics when the horse arrives on your yard

 

[SO1]

I would not rely on the promotion unless it is already formally agreed. The economic landscape may well be very different in 6 months time depending on what industry you work in.

If you can comfortably afford the horse purchase and the ongoing costs without the promotion then go for it if it makes you happy.

If it is a nice horse and you decide you want to save a bit of money you might be able to find a sharer to help with costs as a half way between increasing your savings and living life for the moment.

 

[littleshetland]

Go on...buy it! you know you want to!

just to add..this is a serous addiction issue....we probably all need therapy!

 

[Cortez]

"I not going to enter this one because ,me , Mrs I don’t want any new horses am also viewing tomorrow."

Sorry, may I clarify - I am actually quoting Goldenstar here ^^^^; I am definitely off horses for the foreseeable future and I would think you'd want to be VERY, VERY sure of your income going forward to buy any right now. I am fervently glad that I no longer have the responsibility of a farmful of creatures at the moment.

 

[Winters100]

I would normally say go with your head, however I have purchased horses which were not needed at the time when a perfect fit has arisen slightly prematurely. I would say go and see the horse with an open mind, but only purchase if you really feel that this is a really great horse for you.