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Apart from a lucky few most horse owners seem to be skint! My horses are my luxury, I have 2 on grass keep and one stabled at night in winter. I'm not really materialistic, I don't have the latest phone, I drive an old 4x4, get a cheap deal holiday once a year, very rarely buy new shoes or clothes, have meals out at the local "two for a tenner" pub very few takeaways, buy supermarket basics, and live in a cheapo area as the rent is reasonable!!!!! But I don't really care the horses are worth it!!