Horse Ownership Costs: The Truth No One
Tells You
Avoid financial surprises and plan confidently with practical tools and real numbers - not vague guesses.
Horse Ownership Costs: The Truth No One
Tells You
Avoid financial surprises and plan confidently with practical tools and real numbers - not vague guesses.
Whether you’re thinking about buying or loaning your first horse, or already have one and want to feel more prepared, there’s one thing many horse owners have in common:
👉 Most of us start out underestimating how much it really costs.
And it’s not your fault - how would you know about all the small (and not-so-small) expenses that pop up if you’ve never owned a horse before?
From surprise vet bills to shredded rugs, owning a horse is full of unexpected costs that can feel overwhelming if you’re not ready for them.
That’s where this guide comes in. It helps you feel calm, clear, and confident about what horse ownership might really look like - so you’re not left guessing or caught off guard.
And if you decide it’s not quite the right time to commit? That’s a smart move too. You’ll go in prepared when the moment’s right - not rushing in blind.
What's inside the Budget Guide:
A breakdown of hidden costs most people overlook
Horse care and maintenance trackers
Real-world budget examples to help you plan
Tips for creating an emergency “what now” fund
A printable and interactive planner to map out your own costs
Want to Stay Organised Too?
Bundle It and Save.
If you want to stay organised and keep everything in one place
(instead of scraps of paper and old WhatsApp threads), you might also like the
The Horse Owner Starter Kit
Includes printable monthly & weekly planners, horse care trackers, appointment logs, emergency contacts, and “note to self” pages - all in clean, simple layouts made for real life, not perfection.
Normally £10 on it's own
Bundle both for just £25 and save!
Hi I'm Lisa!
UKCC equestrian coach, yard owner, lifelong horsewoman.
I’ve managed a livery and competition yard, helped clients buy (and sometimes fix!) their horses, dealt with vet bills, insurance claims, and the everyday highs and lows of horse life.
This guide is what I wish every owner had before diving in - so you can avoid costly surprises and feel properly prepared for the journey ahead.
