Money available in emergencies?

How long would it take you to raise a grand, cash.

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It would take a 10 minute drive to the bank to get it. As this poll is because of the amount you said it costs to have a horse PTS I can tell you I have never paid £1000 to have a horse PTS and I have had a lot of horses PTS. £200 was the cost to have the last one PTS and collected and taken away. That was 2 years ago.
 
jaypeebee said:
It would take a 10 minute drive to the bank to get it. As this poll is because of the amount you said it costs to have a horse PTS I can tell you I have never paid £1000 to have a horse PTS and I have had a lot of horses PTS. £200 was the cost to have the last one PTS and collected and taken away. That was 2 years ago.
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mine was £500 but that was injection and communal cremation.

I dont know how much it is for the bullet as its a personal choice not something id choose (but i have no problem with it..) but thats another debate which we will not start now lol!!!

but i think £500 is a good emergancy fund. dont need 1k for emergancies as my insurance excess is £135 i think.... and the rest just in case as the last insurers didnt pay for euthanasia.
 
I'm still paying off Lucys vet bill even now :(:(:(:(:( I would find the money from somewhere if I had to. I would beg, borrow or steal if my horses needed it. I would go without and work everyhour god sends for my horses if i had to ( and I have several times before) My ponies are not insured but I WILL move heaven and earth for them if needs be. I have no spare cash but my ponies always come first no matter what.
 
jaypeebee said:
It would take a 10 minute drive to the bank to get it. As this poll is because of the amount you said it costs to have a horse PTS I can tell you I have never paid £1000 to have a horse PTS and I have had a lot of horses PTS. £200 was the cost to have the last one PTS and collected and taken away. That was 2 years ago.
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*and breathe*

Did you read my follow up to your previous post on this? I did clarify the figures I used for you, because I have never said it costs £1000, that is purely the possible difference in cashflow. It's good that it has only cost you £200 for your horse but much higher figures have been quoted at £700 to £800 - although, as stated, that was with cremation, and return of ashes. I suspect yours wasn't cremated.
 
jemima_too said:
*and breathe*

Did you read my follow up to your previous post on this? I did clarify the figures I used for you, because I have never said it costs £1000, that is purely the probable difference in cashflow. It's good that it has only cost you £200 for your horse but much higher figures have been quoted at £700 to £800 - although, as stated, that was with cremation, and return of ashes. I suspect yours wasn't cremated.
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yeah exactly. mine was £500... injection and cremated but no ashes returned (i didnt want them back, my choice),

cost more for individual and return of ashes - but i budget £500 for pts if needed


how morbid have i turned this thread... sorry lol!
 
i had 4 foals taken away last october (09) and they cost me £200..on a saturday..which i thought was excellent value for money at £50 each..the bloke who came was brilliant..and even helped me wash things down afterwards before he went to his next call..

if it was a large horse..say 16.2 it would have been £380
 
We had a nightmare situation this year where our boy needed several surgeries at Newmarket for a condition that was excluded under his insurance policy. Came to over £5k and sadly we still lost him in the end due to unexpected complications. I was thankfully able to pay some off straight away (with help from parents - that I now have to pay back)and thanks to our v understanding vet we paid the rest off over the next few months and we are finally paid off.

This taught me that although I have insurance, there are always eventualities that you can't predict and therefore I now try and save pennies on a monthly basis into a savings account so I don't get in such a pickle again, a few hundred pounds is one thing, but several thousand is another!:(

Being an owner of many animals including my horse I think I am destined to always be in the poor house!
 
I chose the "when hell freezes over" option.

As I've spent the last few years bailing out my OH and his own financial crisis, I now have no savings left whatsoever and we are now down to one car as can't afford to get the second one repaired at the mo. I've managed to keep up the insurance on my 3 young, working boys, however the 2 oldies aren't/weren't insured due to their age, and when I had to have one of them PTS suddenly in June, I had no way of paying for it.

However I am very, very fortunate in that I've been with my vets practice for a long time and they were happy for me to pay them in agreed monthly installments - thank goodness! Had they demanded payment up front, I would have had to go to family to see if they could help, but that would not be definite.
 
When I bought Nemo, I considered not insuring him, as I thought, well he's just a field companion, what could go wrong?
Such a good job I did. His vet bill for the injury he received in the field (possibly kicked by Harvey, but guess I'll never really know) is currently at over £6,300. That is for the initial call out, then the 3 weeks he stayed at Newmarket. I haven't yet had the bill for the 6 visits I've had since then, or paid for the full livery I had to arrange for him elsewhere, as I don't have stables.
I had absolutely no idea the bill would come to this amount and the final amount is going to exceed what my insurance will pay. Just before my daughters 18th birthday and Christmas :(
I'm just so relieved I took out the insurance. I hear so many people saying they put a certain amount of cash away each month instead of giving it to insurance companies, but I've only had Nemo since April, so my pile of cash probably wouldn't even have paid for the initial call out.
 
Oh, but vet came this morning and said he can come home tomorrow, so yippeeeeeeeee :):):)
Can't wait, just look at that cute little cuddly face! Sorry, getting carried away now as so excited!
 
I'd have to borrow that much from my dad so a few days. He'd transfer instantly but would have to clear.

Nitty is insured and vets deal direct with my insurers. (I am with an equine practise with surgical facilities etc so unlikely to get referred somewhere else and need to find it because of that)


I could however, find £500 to have her shot and disposed of in an emergency. She would go to the hounds anyway as I am not the sentimental type so I'm unlikely to need to find funds into the thousands as far as I can tell.

I could be wrong though?
 
jemima_too said:
*and breathe*

Did you read my follow up to your previous post on this? I did clarify the figures I used for you, because I have never said it costs £1000, that is purely the possible difference in cashflow. It's good that it has only cost you £200 for your horse but much higher figures have been quoted at £700 to £800 - although, as stated, that was with cremation, and return of ashes. I suspect yours wasn't cremated.
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I have never spoken to you about costs of PTS before so you must be thinking of some one else. Mine are not cremated and no I dont want any ashes back. They go for glue or dog food. They are killed either by injection or shot and then they are taken away. The last one I mentioned was PTS with injection. I have found hardly any difference in cost between bullet or needle. My point is basic price to end horses life with vet/hunts man/knacker is around £200 - £300. If people want more personal extras than that it is up to them but I think to worry people about cost to PTS is £1000 or even £700-£800 is misleading. Native Ponies had bargain of century :)
 
You are a realist that's fine BUT there are people out there who find it very distresssing that their horse goes for glue. It doesn't matter that they can't afford it they still bankrupt themselves to have "the nicest job possible" done and the ashes returned in a casket. Part of the usefulness of the other thread was to show people that they don't HAVE to do it like that, that mostly others won't go "Oh that's awful" when they say they didn't have the horse cremated but it went for glue. You got yours done for £200 - that's brilliant news for those who are having trouble affording it, to hear it went for glue is even better as an example that it's actually ok to do that, and it doesn't make you a bad person or a horse hater. It saddens me that people feel they have to spend a fortune because it's "expected" of them.

I agree NP had a bargain!
 
Jemima_too
I then changed bank and can transfer money to and from accounts instantly and to any other account by close of play if done before 3pm.

Which bank are you with?! I need this speed of service!!
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In the "Hell Freezes over" Category...both girls insured with a 5k vet fee limit and excess of £135, if I needed more Im half way into my over draft, and my parents/OH would help, so could probably scrape 1k within a few days....I desperately need to start saving, but also want to get out of the red at the bank, so its a rock/hard place situation!!
 
How long would it take me to drive to the cash machine???

I am personally of the belief (Which I know a lot aren't) if you can't afford an emergency you shouldn't have the luxury of a horse...

Bx
 
I put a few days, getting hold of cash is not very easy for me, I mean, I can withdraw from a cash machine £350 a day; my nearest branch of my bank is about 30 miles away.
Having said that, if paying with plastic/cheque is an option, I have access to more than sufficient funds.
 
Don't any of you think that if it wasn't for insurance, vets bills would be half the price and not the astronomical prices they charge now. Doesn't it make you mad when the first thing a vet says is "Is this animal insured?" Unfortunately due to insurance, vets do not have to worry about what they charge anymore.
 
I love the way that people are so happy to tell everyone how much money they can get their hands on at a moments notice....5, 6, 10k!!!

I have insurance to help me out with any large bills that might come my way...worst come to the worst I've got the phone number for "We Buy Any Car Dot Com" and the local Pawn Brokers!!!

If the first thing your vet asks you is if you have insurance then reply with asking them if that will affect the way they treat your horse...Or get a better relationship with your vets so they don't have to ask, they just act.
 
Three weeks ago my horse got kicked. He's not insured and I had planned to stash money away each month to fund vet bills, but sadly I'd only owned him a few weeks at the time and still hadn't paid off the credit card bill from buying him.

I had to use another credit card, but knew OH would have lent me the cash if I'd needed it.

Hospital bill for a two week stay was paid the other day at £2800, I'm still waiting for the vet (3 call outs and still a few more weeks of treatment - vet out every couple of days -to go) and transport bills to come in.

When he's back in work he's getting insured...
 
I have a bit of savings that I will do my best not to let get eaten into as it's allocated half to a horse emergency, half to either new gas boiler or getting another car depending on what packs up first. I should technically have an element of it if not all of it there for having the flat roof refelted but I'm a bit manana about that...there's always tarpaulin :)
 
Ravenwood said:
Don't any of you think that if it wasn't for insurance, vets bills would be half the price and not the astronomical prices they charge now. Doesn't it make you mad when the first thing a vet says is "Is this animal insured?" Unfortunately due to insurance, vets do not have to worry about what they charge anymore.
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I'm glad you have an old fashioned vets that offer a great service at a great price and you have a great relationship with them...I take it you must have been referring to other peoples vets with the above statement then?

I'm also very lucky with my vets as he has never asked the question, he's just got on with the job.

I think me and you must be proving that it's not always the first question vets ask?!!?
 
Will no doubt get shot down for this but hey ho.

I have insurance for all my lot,but not vet bills.

I don't have no savings in the bank at all,everything i own is mine,i owe nothing to noone.If I need to find the money,which i have done in past,i will continue to do.
 
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