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Expert
Posts: 1477
  
Location: In the land of peanuts and cotton | Save money? My horses teeth are due in April and it will cost $375. If I don't start saving now then I'll never have it on time. I'm horrible with money. I've tried putting money up in a place and putting some in every week but I steal from it saying I'll put it back but never do. I've tried giving money to a family member every week but eventually I'll beg enough they will give it to me. So what's the best way to go about doing it? I thought about putting it in a bank account that I couldn't get it until time for me to have it but I don't know if banks give that option. I don't care if it draws interest just somewhere where I can't steal from it.
Edited by TessBelle 2015-01-27 6:05 PM
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 Firecracker Dog Lover
Posts: 3175
| Does your horse need special dental work for some reason? If not ask for a regular float (without the power tools is what I am implying) if your horse has no major issues and the cost will be significantly less. As with saving the money - do you have someone you can give the $$ to that you can trust to save on your behalf? That way you can't access it and you can ask said friend for the cash right before your horse's appointment. My two cents. |
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 Shelter Dog Lover
Posts: 10277
| Can you make payments to your vet/ dental person in advance? I doubt you could talk them in to giving it back :). |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | brlraceaddict - 2015-01-27 5:43 PM
Does your horse need special dental work for some reason? If not ask for a regular float (without the power tools is what I am implying) if your horse has no major issues and the cost will be significantly less. As with saving the money - do you have someone you can give the $$ to that you can trust to save on your behalf? That way you can't access it and you can ask said friend for the cash right before your horse's appointment. My two cents.
That's for 3 horses. It's $125 each. He only does power floats. There's not another dentist around here and I've always heard not to use a regular vet. |
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 A Gopher's Worst Nightmare
Posts: 5094
Location: Southern Oregon | I honestly keep a care credit card in case of emergencies. I LOVE it. Might look into one of those if your vet excepts them |
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 Swiffer PIcker Upper
Posts: 4015
Location: Four Corners Colorado | rodeomom3 - 2015-01-27 4:46 PM Can you make payments to your vet/ dental person in advance? I doubt you could talk them in to giving it back :).
Do this! If your vet will let you. |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | equussynergy - 2015-01-27 6:04 PM
rodeomom3 - 2015-01-27 4:46 PM Can you make payments to your vet/ dental person in advance? I doubt you could talk them in to giving it back :).
Do this! If your vet will let you.
I'll ask him.
What's a care credit card? |
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Expert
Posts: 1695
Location: Willows, CA | I hate power floats!!! Too much tooth removed too fast. Once that material is gone, it is gone forever. A hand float will index from tooth to tooth and give a truer surface. And, the vet has to work hard to take too much off. |
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A Gopher's Worst Nightmare
Posts: 5094
Location: Southern Oregon | TessBelle - 2015-01-27 4:06 PM
equussynergy - 2015-01-27 6:04 PM
rodeomom3 - 2015-01-27 4:46 PM Can you make payments to your vet/ dental person in advance? I doubt you could talk them in to giving it back :).
Do this! If your vet will let you.
I'll ask him.
What's a care credit card?
Its a credit card that can ONLY be used at vets, doctors, dentists...ect..... You can apply online at there website. I like it for emergencies or if I have budgeted a vet bill and then the vet happens to find something and it goes over what I had budgeted.lol |
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A Gopher's Worst Nightmare
Posts: 5094
Location: Southern Oregon | You should call and ask you vet if they except care credit before applying some of them do and some dont |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | Truthfully...the best way to save money is to get down to the amount of horses that you can afford without worrying about saving money to get things done. I did and it works really well. |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | Nevertooold - 2015-01-27 6:30 PM
Truthfully...the best way to save money is to get down to the amount of horses that you can afford without worrying about saving money to get things done. I did and it works really well.
I can afford them. I just can't save money. They come first but ok trying to keep it so I don't have to miss any barrel races like I did last year. But if I miss them I miss them. They don't skip having teeth done or injections done. |
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 Elite Veteran
Posts: 1119
| I use online savings accounts (Capital One 360). Every week, I have money automatically sent to a variety of savings accounts so I don't ever "see" the money. It is linked to my regular checking account, so I can transfer money back and forth, but it does take 2-3 days to transfer from the savings account into my checking. This makes me double think about whether I really need that item and also makes me plan ahead to be sure I transfer the money in time for when I need it. If you need $375 in April, you have roughly 9 weeks to save, so start putting $40/week into an online account each week and you'll have the money when you need it! |
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Rad Dork
Posts: 5218
Location: Oklahoma | When I was in High School I always gave my money to my mom.... Now that I'm older and know how satisifying it is to watch my side pile of cash grow it becomes easier to set back money on the side for "extras". It's nice to be able to go to trade show or local barrel race and not see it hit my bank account. I just put money aside for those things as I have it. If I don't have the money to hit a race then I don't go.
I also ask myself when I'm shopping "do I want this more than that?" As in a new purse might cost me the same as a two day overnight race..... But I'd gladly pass on the purse, but I don't want to skip the race.
I know that it's convenient to have all your stuff taken care of in one trip to vet, but could you span those floats over the course of your next three paychecks? I don't think it's gonna hurt a hurt to be two weeks early or two weeks late. |
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The Advice Guru
Posts: 6419
| It sounds like you need to budget
Quit making excuses for taking the money
Figure out how much you need for food, fuel, expenses. Put teu money in envelopes with the thing written on them, and once the money is gone, that's it.
You need to change your way of thinking |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | Longneck - 2015-01-27 6:48 PM
When I was in High School I always gave my money to my mom.... Now that I'm older and know how satisifying it is to watch my side pile of cash grow it becomes easier to set back money on the side for "extras". It's nice to be able to go to trade show or local barrel race and not see it hit my bank account. I just put money aside for those things as I have it. If I don't have the money to hit a race then I don't go.
I also ask myself when I'm shopping "do I want this more than that?" As in a new purse might cost me the same as a two day overnight race..... But I'd gladly pass on the purse, but I don't want to skip the race.
I know that it's convenient to have all your stuff taken care of in one trip to vet, but could you span those floats over the course of your next three paychecks? I don't think it's gonna hurt a hurt to be two weeks early or two weeks late.
I could space them out. That would be a lot easier on me but the dentist doesn't live around here and it may be 2 or 3 months until he's back here. I host him at my barn the middle/end of April mainly because I get a discount for doing it. I never had a problem until last year. Life was easy when daddy paid but now I'm on my own with it so I have to figure out I to afford everything my self. I get paid every week. I already have $80 in a envelope in my bra drawer(don't hate lol) cause that's the least likely place for me to see it and have the urge to spend it. |
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 Total Germophobe
Posts: 6443
Location: Montana | I know people will probably jump down my neck for this, but I use a regular vet...because we don't have an equine dentist around here. But she is very good and uses both power and hand float. However, it is only about $15 cheaper per horse than what you are paying, including the farm call.
As for saving money, what I do is take a set amount from my income and tuck it away. It has worked pretty well so far. So let's say I make $80, I'll put $20 away or whatever, just for instance sake. But any raise I get I save. But if I do borrow from myself, I always pay myself back some way, some how. It just takes a lot of self-discipline. |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | I text my dentist and asked him to call me. What do I ask him? I don't want to sound like I'm trying to talk him into doing cheaper. I've known him for a long time and he's been doing my horses for a lot of years and I honestly believe he would help me out but I don't want to ask him too. |
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Elite Veteran
Posts: 1119
| I don't really think you should ask him to help you out, you've got 3 months to save...that's $125/month. Honestly, if you are not able to save that amount between now and then, you need to make some changes - either in how many horses you have or whatever else you spend money on that you don't really need. |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | MissouriJen - 2015-01-27 7:28 PM
I don't really think you should ask him to help you out, you've got 3 months to save...that's $125/month. Honestly, if you are not able to save that amount between now and then, you need to make some changes - either in how many horses you have or whatever else you spend money on that you don't really need.
I'm gonna ask him about the care credit or start making payments now. I just don't want him to think I'm asking for help. |
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Meanest Teacher!!!
Posts: 8555
Location: sunny california | the quickest way for me to get a nice bank roll is to take time off racing. no starbucks or eating out. i usually take some time in the winter off as I hate the cold anyway. that way I have some cash saved up for spring! |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | kwanatha - 2015-01-27 7:36 PM
the quickest way for me to get a nice bank roll is to take time off racing. no starbucks or eating out. i usually take some time in the winter off as I hate the cold anyway. that way I have some cash saved up for spring!
If I could save every week what I spend on eating out at lunch I would be doing great. I've tried to start taking my own lunch but there's not always anything left over from the night before. My family eats out at night at least 3x a week so the but day there's not normally left overs from that night. |
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Extreme Veteran
Posts: 319
| If you have direct deposit, set up a 2nd account for horse stuff. Have money deducted from your check & deposited every paycheck. You decide how much you can afford to set aside. As for spending it on other things, you're the only one that can fix that. And you can. |
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Shelter Dog Lover
Posts: 10277
| TessBelle - 2015-01-27 7:42 PM kwanatha - 2015-01-27 7:36 PM the quickest way for me to get a nice bank roll is to take time off racing. no starbucks or eating out. i usually take some time in the winter off as I hate the cold anyway. that way I have some cash saved up for spring! If I could save every week what I spend on eating out at lunch I would be doing great. I've tried to start taking my own lunch but there's not always anything left over from the night before. My family eats out at night at least 3x a week so the but day there's not normally left overs from that night.
Go to the grocery store and take your lunch :) |
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Meanest Teacher!!!
Posts: 8555
Location: sunny california | peanut butter and jelly sandwiches |
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Location: The Cowboy State | TessBelle - 2015-01-27 6:30 PM
MissouriJen - 2015-01-27 7:28 PM
I don't really think you should ask him to help you out, you've got 3 months to save...that's $125/month. Honestly, if you are not able to save that amount between now and then, you need to make some changes - either in how many horses you have or whatever else you spend money on that you don't really need.
I'm gonna ask him about the care credit or start making payments now. I just don't want him to think I'm asking for help.
You can go online and see who accepts Care Credit
www.carecredit.com |
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Rad Dork
Posts: 5218
Location: Oklahoma | TessBelle - 2015-01-27 7:30 PM MissouriJen - 2015-01-27 7:28 PM I don't really think you should ask him to help you out, you've got 3 months to save...that's $125/month. Honestly, if you are not able to save that amount between now and then, you need to make some changes - either in how many horses you have or whatever else you spend money on that you don't really need. I'm gonna ask him about the care credit or start making payments now. I just don't want him to think I'm asking for help.
Those sound like good things to ask him about. You're what, 22? There probably aren't many 22 year olds that have three horses that need their teeth done and are expected to pay for it. I'm sure he'd rather start accepting your money or Care Credit instead of trying to cash a hot check. Not saying that you'd write him one, but he'll probably appreciate the pro-activeness of it.
Add up what you spend on eating out at lunchtime during the week and head to the grocery store with that amount.. Try to only buy for the number of days you've set money aside for and viola! You'll have some cash left over!. You can get stuff to make samdwhiches, frozen entrees and a multitude of food items that you can easily transport and I guarantee that you'll start seeing your money disappearing a lot slower as long as you don't pick up a new habit to spend $$ on. Good luck! Learn while you're still young and not living paycheck to paycheck your entire life! |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | Longneck - 2015-01-27 8:17 PM
TessBelle - 2015-01-27 7:30 PM MissouriJen - 2015-01-27 7:28 PM I don't really think you should ask him to help you out, you've got 3 months to save...that's $125/month. Honestly, if you are not able to save that amount between now and then, you need to make some changes - either in how many horses you have or whatever else you spend money on that you don't really need. I'm gonna ask him about the care credit or start making payments now. I just don't want him to think I'm asking for help.
Add up what you spend on eating out at lunchtime during the week and head to the grocery store with that amount.. Try to only buy for the number of days you've set money aside for and viola! You'll have some cash left over!. You can get stuff to make samdwhiches, frozen entrees and a multitude of food items that you can easily transport and I guarantee that you'll start seeing your money disappearing a lot slower as long as you don't pick up a new habit to spend $$ on. Good luck! Learn while you're still young and not living paycheck to paycheck your entire life!
Yes I'm 22. |
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Total Germophobe
Posts: 6443
Location: Montana | kwanatha - 2015-01-27 6:36 PM the quickest way for me to get a nice bank roll is to take time off racing. no starbucks or eating out. i usually take some time in the winter off as I hate the cold anyway. that way I have some cash saved up for spring!
This works!!! |
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Veteran
Posts: 165
| When I was younger and single, struggling along, I would withdraw what I expected to spend on groceries, fuel and whatever else I would need... in cash and leave my debit card at home. It really helped me to budget. I always knew how much money I had left to get me through to the next paycheque. Less likely to overspend, plus packing a lunch can be way healthier than eating out.
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 Tried and True
Posts: 21185
Location: Where I am happiest | TessBelle - 2015-01-27 7:42 PM kwanatha - 2015-01-27 7:36 PM the quickest way for me to get a nice bank roll is to take time off racing. no starbucks or eating out. i usually take some time in the winter off as I hate the cold anyway. that way I have some cash saved up for spring! If I could save every week what I spend on eating out at lunch I would be doing great. I've tried to start taking my own lunch but there's not always anything left over from the night before. My family eats out at night at least 3x a week so the but day there's not normally left overs from that night.
STOP EATING OUT!!! All that eating out is adding at least $100 a week. Millions and millions of Americans, working Americans cook at night. Have some backbone and self control. Set up 2 accounts, one for savings you dont touch at all. Not for any reason and the other savings for bigger horse bills like their teeth. Pay yourself in those 2 accounts first and stick to your budget!!!! You will never get where you want to be if your not strong enough. Addicted to frivilous unneccessary spending is almost like an alcoholic. To weak to say NO. |
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 Buttered Noodles Snacker
Posts: 4377
Location: NC | MistyMae - 2015-01-27 8:05 PM TessBelle - 2015-01-27 6:30 PM MissouriJen - 2015-01-27 7:28 PM I don't really think you should ask him to help you out, you've got 3 months to save...that's $125/month. Honestly, if you are not able to save that amount between now and then, you need to make some changes - either in how many horses you have or whatever else you spend money on that you don't really need. I'm gonna ask him about the care credit or start making payments now. I just don't want him to think I'm asking for help. You can go online and see who accepts Care Credit www.carecredit.com
Be careful CareCredit screwed my husband. long story but be careful. |
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Swiffer PIcker Upper
Posts: 4015
Location: Four Corners Colorado | ThreeCorners - 2015-01-28 7:05 AM TessBelle - 2015-01-27 7:42 PM kwanatha - 2015-01-27 7:36 PM the quickest way for me to get a nice bank roll is to take time off racing. no starbucks or eating out. i usually take some time in the winter off as I hate the cold anyway. that way I have some cash saved up for spring! If I could save every week what I spend on eating out at lunch I would be doing great. I've tried to start taking my own lunch but there's not always anything left over from the night before. My family eats out at night at least 3x a week so the but day there's not normally left overs from that night.
Bingo, I know people say 22 is young but it is time to step up. I paid for my own horses from the time I was 14 and could baby sit for money. At 22 I was trying to purchase my first home. I would pay the vet in advance, get care credit or apply for a secured credit card and only use it for your horses. You probably need to start building your own credit anyway. If your horses mean enough to you, you will put them before anything else. For me it a no brainer eating out or taking care of my horses? I'd eat raman for month lol. |
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 Party Girl
Posts: 12293
Location: Buffalo, Wyoming | Stop spending money on things that are not necessary! When I was your age I had a great job, almost alway took my lunch to work and I made sure I always put $100 or more away from each paycheck for my "fun" stuff.
I am almost 30 now and I am still the same way. If I don't need it I don't get it therefore leaving me with a lot more money for my horses. I have less bills now since I saved and have been able to pay things off. |
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 Unknown Drip
Posts: 5624
Location: Back in MT BABY!!! | Just a word of caution....if you are "horrible with money" a credit card would be the last thing I would get. Way to easy to just "charge it".
Start of with giving yourself a budet and saving money...once you are able to do this then I would look into a credit card. |
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The Advice Guru
Posts: 6419
| I second and third the stop eating out.
What I do for work, is I will cook Sunday for the entire week, I will make all my meals and throw them in the freezer, then I take one out each week.
One day after work I will meal plan for the next week, and purchase the groceries I need.
Some things I have done is
Stir fry
Chicken fried rice
Barbecue chicken
Sweet and sour meatballs (from scratch)
Mashed potatoes, vegetable, meat
Chicken Cesar salad
With every meal I ensure I have a vegetable.
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Expert
Posts: 2531
Location: WI | Plain and simple, best way to save money is to not spend money.
If you are stealing money from your horse fund for wants, then stop doing it.
If you are stealing money from your horse fund for needs, then you can't afford your horses. |
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 Own It and Move On
Location: The edge of no where | Pull up Dave Ramsey's website and start listening to his radio show. You've got to learn to develop discipline. By your age I was living on my own (with my horses) 8 hours from home. Time to grow up. |
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 Fact Checker
Posts: 16575
Location: Displaced Iowegian | cheryl makofka - 2015-01-27 6:54 PM It sounds like you need to budget Quit making excuses for taking the money Figure out how much you need for food, fuel, expenses. Put teu money in envelopes with the thing written on them, and once the money is gone, that's it. You need to change your way of thinking
^^^^^ THIS......Unless you change those two factors, you will NEVER be able to keep a budget.....It is called growing up and taking responsibility for your actions.....You have been given some very good insight on how to save money....different accounts, taking your lunch, etc....BUT you have to change your way of thinking. |
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boon
Posts: 1
| kwanatha - 2015-01-27 8:36 PM
the quickest way for me to get a nice bank roll is to take time off racing. no starbucks or eating out. i usually take some time in the winter off as I hate the cold anyway. that way I have some cash saved up for spring!
I would try not to eat out at all, make 2 bank accounts, one of which you put half of your monthly pay checks in (if you work) and the other half in your "spending account." The spending account should be used for groceries, clothes, and stuff you need, rather than eating out or going to starbucks. |
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 Veteran
Posts: 212
| I am your age and have similar problems. Not a fix to the problem, but one way I get money for expenses like that is sell stuff we don't use on craigslist or ebay or FB. If this is an option, make sure you go ahead and pay him so you cant spend it. |
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 IMA No Hair Style Gal
Posts: 2594
| Are you familiar with Excel?
I would first calculate what you make each month.
From that I would budget 30% to savings and use that as an emergency fund instead of getting a credit card.
Then I would deduct bills.
After that budget so much for eating out or fun money, groceries, fuel etc.
If you come out without being able to cover bills then you need to decide what to get rid of or get another job.
I don't mean to sound harsh, but this is the real world. How you handle your finances now will set you up for success or failure.
If you want nice things that's fine, but don't be afraid of working hard.
A good work ethic will get you anywhere. |
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 Expert
Posts: 2276
Location: ohio-in my own little world with pretty ponies :) | Sounds like you need to learn to budget your money or sell a couple horses. If you have to worry about having the money in APRIL for $300 some dollars then you can't afford them. What happens if there is an emergency and you need a few hundred dollars to have your horse cared for and that's not likely that it would be that cheap! |
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 Elite Veteran
Posts: 617
Location: London Ontario | I am 21, we live on our own three hours from our parents, we have both vehicles paid off(paid in cash), I have about $2500 in debt from school loans, and about $500 on my CC. Both my common law and I work full times jobs and are in the market of buying a house. As of right now I DO NOT OWN A SINGLE HORSE. Why you ask? Because I know at this point in my life it is not fair to the horse. I would not be able to afford vet bills or farrier bills. Do I miss riding like stupid crazy? YES. But I would rather be financially stable in a few years so that I CAN afford nice horses, trucks and trailers. Its all about priorities and budgeting. We have a budget and when we run out of money for that specific item, guess what, WERE POOP OUT OF LUCK! It honestly blows my mind when people smoke or own dogs but cant afford rent or to feed the dogs....Good luck to you.... |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | lexyy12 - 2015-01-29 11:50 AM
Sounds like you need to learn to budget your money or sell a couple horses. If you have to worry about having the money in APRIL for $300 some dollars then you can't afford them. What happens if there is an emergency and you need a few hundred dollars to have your horse cared for and that's not likely that it would be that cheap!
Then they would get what ever necessary. If I had to go borrow money from the bank I would. What ever it took. It isn't that I don't have the money. Right now I have it next week I'll have it too but I want to have the $300 plus still be able to do what ever else. There's a 3 day show I usally go to in April. Cost around $500. I would like to still be able to go to it. If I can't do the show and teeth I won't go to the show. Teeth WILL come first. Always has always will. I have 2 jobs. One I get paid every week one I get paid once a month. The only bills I have is my phone bill and horse payment on my gelding. I just absolutely suck at budgeting. I've always been able to go and do and buy what ever and not worry about it and it's come back to bite me in the butt.
Edited by TessBelle 2015-01-29 1:00 PM
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 Expert
Posts: 2161
Location: NW. Florida | NJJ - 2015-01-29 10:04 AM cheryl makofka - 2015-01-27 6:54 PM It sounds like you need to budget Quit making excuses for taking the money Figure out how much you need for food, fuel, expenses. Put teu money in envelopes with the thing written on them, and once the money is gone, that's it. You need to change your way of thinking ^^^^^ THIS......Unless you change those two factors, you will NEVER be able to keep a budget.....It is called growing up and taking responsibility for your actions.....You have been given some very good insight on how to save money....different accounts, taking your lunch, etc....BUT you have to change your way of thinking.
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 Living within my means
Posts: 5128
Location: Randolph, Utah | TessBelle - 2015-01-29 11:48 AM
lexyy12 - 2015-01-29 11:50 AM
Sounds like you need to learn to budget your money or sell a couple horses. If you have to worry about having the money in APRIL for $300 some dollars then you can't afford them. What happens if there is an emergency and you need a few hundred dollars to have your horse cared for and that's not likely that it would be that cheap!
Then they would get what ever necessary. If I had to go borrow money from the bank I would. What ever it took. It isn't that I don't have the money. Right now I have it next week I'll have it too but I want to have the $300 plus still be able to do what ever else. There's a 3 day show I usally go to in April. Cost around $500. I would like to still be able to go to it. If I can't do the show and teeth I won't go to the show. Teeth WILL come first. Always has always will. I have 2 jobs. One I get paid every week one I get paid once a month. The only bills I have is my phone bill and horse payment on my gelding. I just absolutely suck at budgeting.
Hope you have some collateral, the loan officer I worked for would never loan money on vet bills without some solid collateral, good credit score and low debt to income ratio. |
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Expert
Posts: 2161
Location: NW. Florida | Welcome to the adult world. |
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 Namesless in BHW
Posts: 10368
Location: At the race track with Ah Dee Ohs | TessBelle - 2015-01-27 5:38 PM Save money? My horses teeth are due in April and it will cost $375. If I don't start saving now then I'll never have it on time. I'm horrible with money. I've tried putting money up in a place and putting some in every week but I steal from it saying I'll put it back but never do. I've tried giving money to a family member every week but eventually I'll beg enough they will give it to me. So what's the best way to go about doing it? I thought about putting it in a bank account that I couldn't get it until time for me to have it but I don't know if banks give that option. I don't care if it draws interest just somewhere where I can't steal from it.
WTH??? Why so much? Geez, we use a Equine Dentist and he only charges $75. And it doesn't matter how long it takes him to do the horse. Holy cow, that's kinda nuts. |
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Elite Veteran
Posts: 1028
| magic gunsmoke - 2015-01-29 10:29 AM Are you familiar with Excel? I would first calculate what you make each month. From that I would budget 30% to savings and use that as an emergency fund instead of getting a credit card. Then I would deduct bills. After that budget so much for eating out or fun money, groceries, fuel etc. If you come out without being able to cover bills then you need to decide what to get rid of or get another job. I don't mean to sound harsh, but this is the real world. How you handle your finances now will set you up for success or failure. If you want nice things that's fine, but don't be afraid of working hard. A good work ethic will get you anywhere.
Very well put! |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | total performance - 2015-01-29 1:09 PM
TessBelle - 2015-01-27 5:38 PM Save money? My horses teeth are due in April and it will cost $375. If I don't start saving now then I'll never have it on time. I'm horrible with money. I've tried putting money up in a place and putting some in every week but I steal from it saying I'll put it back but never do. I've tried giving money to a family member every week but eventually I'll beg enough they will give it to me. So what's the best way to go about doing it? I thought about putting it in a bank account that I couldn't get it until time for me to have it but I don't know if banks give that option. I don't care if it draws interest just somewhere where I can't steal from it.
WTH??? Why so much? Geez, we use a Equine Dentist and he only charges $75. And it doesn't matter how long it takes him to do the horse. Holy cow, that's kinda nuts.
Not sure. That's what everyone else's says too. My guess is because he's the only actual dentist even relitvly close to here so he can charge what he wants cause people have to have him. |
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 Good Grief!
Posts: 6343
Location: Cap'n Joan Rotgut.....alberta | be happy you dont have to pay what an equine dentist charges up here, its on average500- 600 PER horse......
and as to the best way to save money..DONT spend it.....
m |
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Namesless in BHW
Posts: 10368
Location: At the race track with Ah Dee Ohs | mruggles - 2015-01-29 1:19 PM be happy you dont have to pay what an equine dentist charges up here, its on average500- 600 PER horse......
and as to the best way to save money..DONT spend it.....
m
Holy moses!  |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | mruggles - 2015-01-29 1:19 PM
be happy you dont have to pay what an equine dentist charges up here, its on average500- 600 PER horse......
and as to the best way to save money..DONT spend it.....
m
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Elite Veteran
Posts: 1079
| If you have a problem budgeting, for the love of god stay away from any kind of credit card! plain and simple!
The only way you are going to start saving is when you figure out how incredibly important it is! Not just for the random vet bill but for your entire life. I read quickly, but it seems you don't have much for "monthly bills - mortgage, insurance, cable, groceries, electric, phone, etc etc etc" so if working 2 jobs you can't save anything at all, you are in trouble if you don't start changing your thoughts on saving. |
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 Water Weight Barbie
Posts: 6829
Location: Oz, Kansas | How about you get a prepaid loadable Visa card from Walmart & load money on it every payday & then when you have an expense you can cash out what you need. |
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I'm a Cry Baby
Posts: 3781
Location: n.c. | So, you eat out all the time and can't have money. You need your horses' teeth done and still want to go to the race.
So, basically, you want it all.
Doesn't work that way. You make sacrifices in order to do what needs to be done.
You need to get your priorities straight; then go from there. |
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Veteran
Posts: 114
| I don't mean to sound rude, I'm not much older and understand the financial struggles after college, but if you can't afford something as routine as dental work you probably shouldn't own 3.
On another note, I had my vet set up an automatic withdrawal from my bank account. Every month they take out $100 and put it towards my account. Could always ask your vet about doing this. |
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 Shipwrecked and Flat Out Zapped
Posts: 16390
Location: DUMPING CATS AND PIGS IN TEXAS :) | cheryl makofka - 2015-01-27 6:54 PM It sounds like you need to budget Quit making excuses for taking the money Figure out how much you need for food, fuel, expenses. Put teu money in envelopes with the thing written on them, and once the money is gone, that's it. You need to change your way of thinking
This orrrrr find a rich, old man to date. |
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 Owner of a ratting catting machine
Posts: 2258
| total performance - 2015-01-29 1:09 PM
TessBelle - 2015-01-27 5:38 PM Save money? My horses teeth are due in April and it will cost $375. If I don't start saving now then I'll never have it on time. I'm horrible with money. I've tried putting money up in a place and putting some in every week but I steal from it saying I'll put it back but never do. I've tried giving money to a family member every week but eventually I'll beg enough they will give it to me. So what's the best way to go about doing it? I thought about putting it in a bank account that I couldn't get it until time for me to have it but I don't know if banks give that option. I don't care if it draws interest just somewhere where I can't steal from it.
WTH??? Why so much? Geez, we use a Equine Dentist and he only charges $75. And it doesn't matter how long it takes him to do the horse. Holy cow, that's kinda nuts.
This post actually kind of made me giggle, you get what you pay for. |
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Owner of a ratting catting machine
Posts: 2258
| mruggles - 2015-01-29 1:19 PM
be happy you dont have to pay what an equine dentist charges up here, its on average500- 600 PER horse......
and as to the best way to save money..DONT spend it.....
m
I'm really lucky in my equine dentist, she's fabulous and charges less, but you're right on with what a really talented one charges. |
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Owner of a ratting catting machine
Posts: 2258
| Honestly, you could make that money picking up cans in the ditch. Or babysitting. Or making cakes and selling them. $375 is not that much money on today's market.
How do you pay for shoeing? How do you plan on paying for an emergency surgery? Or a virus involving fluid therapy and 10 days in the hospital? Or an infection? Or a suspensory injury? Or abcesses? Or corrective shoeing? How do you plan on paying for your horses if you need something in your personal life? Do you have insurance on the horse you are making payments on? Why not if not? How do you pay for all of this?
How, if you're paying for good care, and running barrels, attending 3 day shows (how do you attend a 3 day show for only $500? Please teach me), do you not have $375?
Why are you just now figuring this out at 22? At 22 you should be a full blown adult that is capable of figuring out how to raise $375 in a few hours if necessary. Shoot, I could raise that much in a weekend for beer money, a trip to Denver and a rock concert when I was in college on a 20 hour week part time job that paid $5.50 an hour. And that was when I was 18.
Perhaps an intuitive look into the mirror will help you figure out where your future is going. Is it a place where you have to go into debt against $375? Or a place where you can handle your $&!+ and walk hard because you're the one running fancy paid for horses, hauling a fancy paid for rig, and easily meeting your bills?
22. It's time to get stuff figured out. |
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Tried and True
Posts: 21185
Location: Where I am happiest | TessBelle - 2015-01-29 12:48 PM lexyy12 - 2015-01-29 11:50 AM Sounds like you need to learn to budget your money or sell a couple horses. If you have to worry about having the money in APRIL for $300 some dollars then you can't afford them. What happens if there is an emergency and you need a few hundred dollars to have your horse cared for and that's not likely that it would be that cheap! Then they would get what ever necessary. If I had to go borrow money from the bank I would. What ever it took. It isn't that I don't have the money. Right now I have it next week I'll have it too but I want to have the $300 plus still be able to do what ever else. There's a 3 day show I usally go to in April. Cost around $500. I would like to still be able to go to it. If I can't do the show and teeth I won't go to the show. Teeth WILL come first. Always has always will. I have 2 jobs. One I get paid every week one I get paid once a month. The only bills I have is my phone bill and horse payment on my gelding. I just absolutely suck at budgeting. I've always been able to go and do and buy what ever and not worry about it and it's come back to bite me in the butt.
You need to ask yourself 2 questions every single time you want to buy something.
1) Do I NEED it?
or
2) Do I WANT it?
If it's something you want, then forget it. Life and budgeting is all about needs, and wants. Your housing, groceries, ect are needs. Eating out is just something you WANT. A new headstall, is a want. That starbucks coffee is a want. A new outfit, is a want. The movies is a want. You have to learn to pay yourself first. Right off the top of every paycheck you need to put x amount in a savings and dont touch it. Any kind of credit, is your worst enemy. Period. Save up and pay cash. There is no interest on paying cash. |
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Firecracker Dog Lover
Posts: 3175
| Do your horses NEED a power float for some reason? Everyone has their preference - power tools cost money and the vets need to pay for them hence the increased cost. If your horses have no major issues with their teeth then power floating is likely not necessary (zipping up flame suit but this is my two cents). My vet told me this - if your horse has some issues then you might need to see a vet that specializes in equine dentistry but if not, a regular float when needed will be just fine - at less than half the cost per horse. Honestly - I'd probably find a vet that can float a horse's teeth the old fashioned way if my horse didn't need anything special done. My horses don't need sedation this way and don't have their mouths held open for a long period of time and they aren't sore for any length of time after an old fashioned float. I do believe there is a place for power tool floats - but only if they need it. Good luck to you. |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | classicpotatochip - 2015-01-29 6:58 PM
Honestly, you could make that money picking up cans in the ditch. Or babysitting. Or making cakes and selling them. $375 is not that much money on today's market.
How do you pay for shoeing? How do you plan on paying for an emergency surgery? Or a virus involving fluid therapy and 10 days in the hospital? Or an infection? Or a suspensory injury? Or abcesses? Or corrective shoeing? How do you plan on paying for your horses if you need something in your personal life? Do you have insurance on the horse you are making payments on? Why not if not? How do you pay for all of this?
How, if you're paying for good care, and running barrels, attending 3 day shows (how do you attend a 3 day show for only $500? Please teach me), do you not have $375?
Why are you just now figuring this out at 22? At 22 you should be a full blown adult that is capable of figuring out how to raise $375 in a few hours if necessary. Shoot, I could raise that much in a weekend for beer money, a trip to Denver and a rock concert when I was in college on a 20 hour week part time job that paid $5.50 an hour. And that was when I was 18.
Perhaps an intuitive look into the mirror will help you figure out where your future is going. Is it a place where you have to go into debt against $375? Or a place where you can handle your $&!+ and walk hard because you're the one running fancy paid for horses, hauling a fancy paid for rig, and easily meeting your bills?
22. It's time to get stuff figured out.
I have 2 jobs! There both part time but around here you take what you can get. I already pay for corrective shoeing as well as injections on one every 3 months just to keep her sound. That's $479. She's 2D at best but not sellable and I won't let her be in pain all the time. Yes all 3 of my horses are insured. It's a really cheap show that's why I go. Look up Down South Productions. And because I never had to pay everything before now.
Edited by TessBelle 2015-01-29 7:21 PM
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Fact Checker
Posts: 16575
Location: Displaced Iowegian | ThreeCorners - 2015-01-29 7:06 PM TessBelle - 2015-01-29 12:48 PM lexyy12 - 2015-01-29 11:50 AM Sounds like you need to learn to budget your money or sell a couple horses. If you have to worry about having the money in APRIL for $300 some dollars then you can't afford them. What happens if there is an emergency and you need a few hundred dollars to have your horse cared for and that's not likely that it would be that cheap! Then they would get what ever necessary. If I had to go borrow money from the bank I would. What ever it took. It isn't that I don't have the money. Right now I have it next week I'll have it too but I want to have the $300 plus still be able to do what ever else. There's a 3 day show I usally go to in April. Cost around $500. I would like to still be able to go to it. If I can't do the show and teeth I won't go to the show. Teeth WILL come first. Always has always will. I have 2 jobs. One I get paid every week one I get paid once a month. The only bills I have is my phone bill and horse payment on my gelding. I just absolutely suck at budgeting. I've always been able to go and do and buy what ever and not worry about it and it's come back to bite me in the butt.
1) Do I NEED it?
or
2) Do I WANT it?
If it's something you want, then forget it. Life and budgeting is all about needs, and wants. Your housing, groceries, ect are needs. Eating out is just something you WANT. A new headstall, is a want. That starbucks coffee is a want. A new outfit, is a want. The movies is a want. You have to learn to pay yourself first. Right off the top of every paycheck you need to put x amount in a savings and dont touch it. Any kind of credit, is your worst enemy. Period. Save up and pay cash. There is no interest on paying cash.
LOL....pretty much everything she spends would be for "wants".... by her own admission, she only has TWO bills (phone and horse payment)....More than likely, she lives at home; doesn't pay rent; doesn't pay for food; doesn't pay for vehicle or trailer........ |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | And FYI for those questioning the quality of my horses care... If I don't have it for what ever reason(which has only been once) dad will give it to me but I don't want for him to. I want to do it on my own.
Do I have a spending problem? Yes I do BUT I'm trying to get everything sorted out what I have to pay every month and then stuff like my mares $150 farrier bill every 5 weeks plus the other horses. Then see what's left and if I need to find soemhingn else to do to fill in gaps some where.
Edited by TessBelle 2015-01-29 7:29 PM
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Meanest Teacher!!!
Posts: 8555
Location: sunny california | sounds like you are getting some pretty tough responses. answer this...how much did you spend/blow this week? I blew $20 at starbucks this week. |
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Tried and True
Posts: 21185
Location: Where I am happiest | If you made the committment to keep 1 little pocket notebook in your purse and write down absolutelly everything you buy, even 1 little pack of gum or candy bar and a soda. Everything.....you would be amazed at what you see at the end of the week. |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | kwanatha - 2015-01-29 7:35 PM
sounds like you are getting some pretty tough responses. answer this...how much did you spend/blow this week? I blew $20 at starbucks this week.
Probably around $75. $45 of that was a pair of jeans. Wish we had a Starbucks. Closest one is 2hrs away. We don't even have a McDonalds. |
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Tried and True
Posts: 21185
Location: Where I am happiest | kwanatha - 2015-01-29 7:35 PM sounds like you are getting some pretty tough responses. answer this...how much did you spend/blow this week? I blew $20 at starbucks this week.
I dont even know how to order a starbucks coffee. LOL. I just cant bring myself to spend $5 on a dang coffee with some cream in it. I have a coffee maker and buy hazelnut creamer and I'm good to go. LOL
It was the week before Christmas the last time hubby and I went out to dinner and we havent been to the movies since oct. We are happy at home. We have other goals we are working towards so we just dont spend any money frivilously. Heck. if I buy a bag of chips or ice cream at the grocery store I think I really splurged. LOL
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Tried and True
Posts: 21185
Location: Where I am happiest | TessBelle - 2015-01-29 7:58 PM kwanatha - 2015-01-29 7:35 PM sounds like you are getting some pretty tough responses. answer this...how much did you spend/blow this week? I blew $20 at starbucks this week. Probably around $75. $45 of that was a pair of jeans. Wish we had a Starbucks. Closest one is 2hrs away. We don't even have a McDonalds.
I dont think anybody is trying to be hard on you, I know I'm certainly not. Just trying to help you paint the picture and bring you to reality and self control. The word NO is a beautiful word and so liberating!
So you spent $75.00. $45 on a pair of jeans. Did you absolutelly NEED those jeans? What did you spend the other $30 on? It's been over a year since I bought myself a new pair of jeans. |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | ThreeCorners - 2015-01-29 8:21 PM
TessBelle - 2015-01-29 7:58 PM kwanatha - 2015-01-29 7:35 PM sounds like you are getting some pretty tough responses. answer this...how much did you spend/blow this week? I blew $20 at starbucks this week. Probably around $75. $45 of that was a pair of jeans. Wish we had a Starbucks. Closest one is 2hrs away. We don't even have a McDonalds.
So you spent $75.00. $45 on a pair of jeans. Did you absolutelly NEED those jeans? What did you spend the other $30 on? It's been over a year since I bought myself a new pair of jeans.
I've gained a lot of weight.... No surprise..... I only have a fee pairs that fit. Theses were some my friend had bought and they didn't fit her so I bought them from her. The rest was food. |
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Tried and True
Posts: 21185
Location: Where I am happiest | TessBelle - 2015-01-29 8:24 PM ThreeCorners - 2015-01-29 8:21 PM TessBelle - 2015-01-29 7:58 PM kwanatha - 2015-01-29 7:35 PM sounds like you are getting some pretty tough responses. answer this...how much did you spend/blow this week? I blew $20 at starbucks this week. Probably around $75. $45 of that was a pair of jeans. Wish we had a Starbucks. Closest one is 2hrs away. We don't even have a McDonalds.
So you spent $75.00. $45 on a pair of jeans. Did you absolutelly NEED those jeans? What did you spend the other $30 on? It's been over a year since I bought myself a new pair of jeans. I've gained a lot of weight.... No surprise..... I only have a fee pairs that fit. Theses were some my friend had bought and they didn't fit her so I bought them from her. The rest was food.
Eating out or groceries? |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | ThreeCorners - 2015-01-29 8:30 PM
TessBelle - 2015-01-29 8:24 PM ThreeCorners - 2015-01-29 8:21 PM TessBelle - 2015-01-29 7:58 PM kwanatha - 2015-01-29 7:35 PM sounds like you are getting some pretty tough responses. answer this...how much did you spend/blow this week? I blew $20 at starbucks this week. Probably around $75. $45 of that was a pair of jeans. Wish we had a Starbucks. Closest one is 2hrs away. We don't even have a McDonalds.
So you spent $75.00. $45 on a pair of jeans. Did you absolutelly NEED those jeans? What did you spend the other $30 on? It's been over a year since I bought myself a new pair of jeans. I've gained a lot of weight.... No surprise..... I only have a fee pairs that fit. Theses were some my friend had bought and they didn't fit her so I bought them from her. The rest was food.
Eating out. I went to the grocery store but I think I only spent like $14. It was for 6 things of yogurt and PB2
Edited by TessBelle 2015-01-29 8:37 PM
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 Certified Snake Wrangler
Posts: 1672
Location: North MS | Excel, Quicken and Mint didn't work for me. An app I could have on my phone to document purchases DID. YOUNEEDABUDGET software. Website has classes for free to walk you through all the steps of setting it up. I wish someone had told me this info while I was in college. It would have made it way easier to implement.
First- get you bank balance/cash balance/paypal balance/savings balance as of NOW
2nd- Input it as "Income for February"
3rd- Divy it out exactly and to the penny. You can have a category called Horse Maintenance and put $50 into it now (just as an example) and spread the rest out for your next weeks expenses/groceries/utilities/savings.
4th- you get paid next friday. Do not put that money in the budget until it is in your account and then spend it in between your categories. Add another 50 to your horse maintenance and spread the rest around between your other categories.
So far this is working for me. I have my BIG barrel races already planned for the year and I looked up their costs. All are months away and I'm going to add everything up and divide it out so I can save up enough to do what I want. LOVE THIS APP!
I have a coupon code to save $6 if anyone wants it. You can msg me. BTW- no I didn't make the software. Just like to use it. PLUS it is free for college students! You can look up on the website and email them I believe and they will send you a free activation code. |
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Expert
Posts: 1477
Location: In the land of peanuts and cotton | bluerose2001 - 2015-01-29 9:17 PM
Excel, Quicken and Mint didn't work for me. An app I could have on my phone to document purchases DID. YOUNEEDABUDGET software. Website has classes for free to walk you through all the steps of setting it up. I wish someone had told me this info while I was in college. It would have made it way easier to implement.
First- get you bank balance/cash balance/paypal balance/savings balance as of NOW
2nd- Input it as "Income for February"
3rd- Divy it out exactly and to the penny. You can have a category called Horse Maintenance and put $50 into it now (just as an example) and spread the rest out for your next weeks expenses/groceries/utilities/savings.
4th- you get paid next friday. Do not put that money in the budget until it is in your account and then spend it in between your categories. Add another 50 to your horse maintenance and spread the rest around between your other categories.
So far this is working for me. I have my BIG barrel races already planned for the year and I looked up their costs. All are months away and I'm going to add everything up and divide it out so I can save up enough to do what I want. LOVE THIS APP!
I have a coupon code to save $6 if anyone wants it. You can msg me. BTW- no I didn't make the software. Just like to use it. PLUS it is free for college students! You can look up on the website and email them I believe and they will send you a free activation code.
PM me please!!! |
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Meanest Teacher!!!
Posts: 8555
Location: sunny california | ThreeCorners - 2015-01-29 6:07 PM kwanatha - 2015-01-29 7:35 PM sounds like you are getting some pretty tough responses. answer this...how much did you spend/blow this week? I blew $20 at starbucks this week. I dont even know how to order a starbucks coffee. LOL. I just cant bring myself to spend $5 on a dang coffee with some cream in it. I have a coffee maker and buy hazelnut creamer and I'm good to go. LOL
It was the week before Christmas the last time hubby and I went out to dinner and we havent been to the movies since oct. We are happy at home. We have other goals we are working towards so we just dont spend any money frivilously. Heck. if I buy a bag of chips or ice cream at the grocery store I think I really splurged. LOL
I have been sick and just did not want to work so I treated myself. I actually am not supposed to have coffee due to kidneys/adrenal problems. plus I got pastry! we don't do it often but every couple months I binge on them. |
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