2012 show season · horse finances · not-so-quiet-freakout

Worrying

This was never going to be a week conducive to rest and relaxation. I’m leaving for a long-planned vacation/road trip on Friday night, and there are dozens of small details I still have to arrange before then. Work is work. I’m facing up to some major changes in my life going forward.

However, two things right now are particularly heartburn-inducing.

The first is that I just mailed my entry to the King Oak Farm Fall Horse Trials. This is it. This is what we’ve been working toward all summer: our first (and likely only) recognized USEA horse trials. I’ve obliterated any semblance of budget I may have had as well as a few savings accounts to get us to this point, fretted and stressed and worked hard in every single ride I had available to me, shunted all other commitments to the side. After all that work, I’m still not sure we’re ready. Oh, we’ll be safe. Tris will go around. We certainly will not be competitive, but then my goal was always to complete, not to compete. But will it be a good, positive experience for both of us? Will I embarrass my friends and my barn and my trainer? (I worry a bit as well about embarrassing myself, but I’m more or less used to that.) I wish I didn’t feel so sure that this is our one shot, and I wish I didn’t feel such pressure to do it right. I wish I could be one of the many hundreds of people who surely enter willy-nilly and without carrying so much baggage.

My secondary panic is tied to the above: I’m stretching every bit of financial give I have. I had planned out the summer carefully but not allowed enough of a buffer, and I’ve had to dip into some savings accounts to round out the edges, and that stings. Last month there was the vet bill for the abscess; this month, my jump saddle needed billet repair, the truck needed new brake calipers & hoses, and my car insurance came due and increased in price. I spent the first three weeks of July running under budget and in the last week went $1k over. I am by nature a financially cautious person, which is at odds with being a horse owner. There are plenty of internet jokes about the expense of horses, but the hard truth is that owning a horse? Is a really, really poor financial choice. That becomes apparent to me in very dark moments when I realize that many other life possibilities are closed off by horse ownership, especially when I rely 100% on myself for all of my plans – buying a house, having kids, doing any sort of traveling that doesn’t involve my tent.

Most of the time I cope. This week, on top of all the other planning and figuring out and anticipation, it’s got me nearly constantly on the edge of a panic attack.

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