2018 goals · Uncategorized

2018 Goals Update: February

Original Goals Post
January Goals Post

Horse Goals

1. Take 6 lessons through the year. – 1/6 done, check!
2. Ride 3 new-to-me horses. – no progress on this, definite plans for the summer
3. Research 3 different retirement situations. – I haven’t done anything more in detail, but I have been mulling over everyone’s responses to my post about what questions to ask of retirement situations
4. Write retirement budget for Tristan. – I looked at my rough draft a little bit more
5. Reach goals for horse-specific income stream. (Primarily through Etsy shop.) – added a bunch of new things this week, though I need to devote some quality time to thinking about wholesale
Stretch: 6. Read and review 12 books about riding on the blog. – 1/12 done with a three part review of Brain Training for Riders

Financial Goals

1. Fully fund Tristan’s savings account (to $1,500) – CHECK! Now, the trick will be to keep this steady, barring actual emergencies. I have some plans for that that I hope will start rolling at the end of the month.
2. 50% fund my overall emergency fund savings account (to $7,500) – up to $4,750 and should start making real progress on this at the end of the month.
3. Track every purchase made in 2018. – I fell off this wagon a bit and suffered for it, but have already sorted out the mess and noted my first few March purchases.
4. Create 30 day wait list for any purchase over $25 (excluding groceries & emergencies). –done! and made my first purchase off my 30 day list: a new laptop. considering my old desktop is still running Windows XP, this was a looooooong time coming.
5. Pay off 50% of energy improvement debt. – we’ve paid off 19% of the total
6. Stretch: 75% fund my overall emergency fund savings account (to $11,250)

House Goals

1. Finish dining room (finish wallpaper, skimcoat lower half, plaster upper half, paint).
2. Finish garage in basement (finish strapping, put up drywall, plaster drywall, paint floor, clean out).
3. Finish upstairs guest bedroom (strip wallpaper, plaster, deal with ceiling, repaint).
4. Develop plan & budget for preserving mud room mural.
5. Build second raised bed, start seedlings indoors, can/process results of garden.
6. Stretch: Finish breakfast nook room (strip wallpaper, plaster, figure out heating, repaint)

house post · Uncategorized

House Post: Kitchen Sink Soap Dispenser

Quick but very satisfying project. Since we moved in, there’s been this weird fixture on the kitchen sink that I didn’t entirely understand. Close examination told me it wasn’t attached to anything and was just sitting there, so I pulled it out and swapped it for something actually useful: a soap dispenser.

It took maybe 15 minutes and $20 and is a substantial improvement, so I’m pretty happy.

IMG_2419IMG_2420IMG_2423IMG_2425IMG_2426

Best guess for what the heck it was goes to my sister-in-law, who thought maybe it was an attachment for an old standalone dishwasher.

IMG_2427IMG_2429

https://giphy.com/gifs/soap-5hktuFHDXRcKH35mbb

finance friday · Uncategorized

Finance Friday: How to Resist Temptation

BelJoeorFinanceFridays

Welcome to Finance Friday 2018! All year long, we’ll talk about personal finances on the first Friday of the month, with the goal to getting us all in better overall financial shape. We know horses are expensive, and we need to be ready as we can for those expenses – both planned and unplanned.

Last month, we talked about budgeting. This month, it’s all about staying in that budget. I asked a lot of different people their advice avoiding temptation – both horsey and non – and got some really terrific ideas.

The problem with horses is that you can’t not spend money. “No spending” months just don’t fly when you’re an equestrian. You’re always writing huge checks for something – expected or not. So it’s a fine line to walk between spending responsibly and doing too much. It can also be really easy to just keep writing checks to try to fix things, and I don’t know about you, but once I’ve started spending on horse things it escalates really quickly.

https://giphy.com/gifs/foal-iBf3UxsqQrz7q

Before we go into that, though, I want to emphasize that like everything else in regards to finances,  finding the right fit for you is a highly personal process and it takes repetition, experimentation, and failure before you find something that really works. Everyone’s budget will work differently, and everyone’s techniques for staying on that budget will work differently because they’re tailored to your own psyche, emotions, and way of seeing the world.

So, here’s your advice for staying on budget and avoiding temptation.

  • I just look at my bank account and that’s a pretty good deterrent.
  • Surround yourself with people of a similar budget. There are some rich old women in this sport that will act as though you are abusing old Alpo if you haven’t invested in a $5k custom saddle. Then there are people that know how to duct tape together tall boots and make them look acceptable for competition. Hang with the latter.
  • I don’t walk into tack shops anymore. Anything I need I buy online…seeing my total before checkout helps to curb those impulse buys (and I don’t really NEED 5000 saddle pads).

https://giphy.com/gifs/IC1UIP6YxBG3S

  • I don’t go looking at things, lol! Seriously, I assess what I have and what I actually *need* – I used to be a tack hoarder, now I try to get by with as little as possible in horses and life in general. Simplify!
  • Most of my horse stuff is a business deduction at the end of the year, so I think, “Would this make the IRS suspicious?” If yes, do I actually NEED it or not? The business account dictates my budget, and since I’m constantly tracking that, it’s a lot easier to stay on target.
  • I don’t have a budget per sey, I buy the things my horses need like hay, grain, bedding, supplements. I try to replace used equipment when it really needs it, not just because I want a new looking thing. If I do visit a tack store my first stop is in the clearance area, sales racks, etc, because IF I do an impulse buy, it’s going to be a mega deal.

https://giphy.com/gifs/foals-ROXl1wivCOERq

  • I think another aspect is learning to care for your tack in a way that extends its life. You aren’t using that martingale for now? Condition the leather well and put it in a climate-controlled area. Winter is over? Store those blankets somewhere mice won’t eat them (RIP my favorite cooler). Hang up your whips when not in use, don’t draw pictures in the dirt with them when you are bored. Clean your every-day boots (hell, my most frugal instructor had me get rubber covers for my first good paddock boots, that I took off only to ride, to extend the life).
  • Make smart choices about tack and equipment purchases. Read reviews. Don’t buy the $15 item that’s liable to need to be replaced in a short time. Buy the $25 item that’s going to last.  Buy used. Look at off brands. I swear my $80 Horze bridle is on par with my PS of Sweden. I do clean it often. Also: unfollow any pages like “saddle pads anonymous.” Spoiler alert: Eskadron pads aren’t superior in any way other than price.
  • I keep my horse’s vet folders right beside my tack storage, so anytime I might be tempted to splurge on something I don’t need I have those big ol’ bills staring me in the face. It’s a good reminder to save my money for the expenses that aren’t frivolous. But I do give myself permission to buy (cheap) new halters every spring, because my horses are a mess and washing halters just doesn’t satisfy me the way bright shiny new ones do.

https://giphy.com/gifs/foals-I4WyBz9aODjdC

  • If I find myself in need of something, I see if I can borrow it first, or buy it off someone at the barn. At one barn, we had a veritable stock exchange of buckets, given how horses came and went. And sometimes you don’t long-term need something. Just make sure you give it back ffs- don’t be that asshole!!! Also, I am a big fan of consignment shops.
  • Valleyvet.com sells a kit for a year’s worth of rotational worming for $35. Compare to the vet who charges the same amount per worming.
  • Give yourself permission to spend some money – set an amount per month, or plan  out specific purchases. No one likes to feel deprived, and it can backfire badly and lead to more spending. Take that amount out in cash, or track it in a specific part of your budget that’s just for fun.

Horse GIF - Find & Share on GIPHY

  • I use variations on the rule of three. In three days, will I still be happy I bought this? In three months? In three years? Horse stuff can be measured in years, a lot of the time, and that’s a long tail for regret. Obviously you need to buy some consumables, but don’t sink all your money into things that are just dumb fads, or things you think you need right now when you could just as well get by without and next week you’ve forgotten you ever wanted it.
  • I once taped a piece of paper tightly around my credit card and wrote my horse’s name on it. I got the idea from someone who did that with a picture of their kid’s. It gives you both a barrier to spending (however temporary) and a constant reminder of why you’re trying to be good.
  • Delete all your credit card information from websites you shop at, so you have to re-enter it and think about it when you do so. It gives you extra time to make sure you really, really need whatever you’re

Adorable GIF - Find & Share on GIPHY

There you have it. Anyone have anything to add? Some tip, trick, technique, or strategy that keeps you from spending?

Also: this is your opportunity to check in, publicly or privately. How are you doing with the financial goals you set for yourself at the beginning of the year?

Uncategorized

Online Yard Sale Items!

horsebloggeryardsale

Here are the items I have for sale! Remember, if you put up a post as part of this blog hop, make sure to leave a comment on the original blog hop post.

If you want to purchase any of these items, email me: beljoeor@gmail.com. I’ll accept payment through PayPal, and buyer pays shipping. (For just about everything here that will be pretty cheap.)

Before I get on to my other items for sale, I’ve extended the free shipping in my Etsy shop through March 5, AND if you use the coupon code BLOGHOP you’ll get an extra 10% off!

F.O.A.L Euroseat Kneepatch Breeches, Navy/Orange, Size Large

$40

These are really nice breeches, worn only once and never to ride. Though they say large, they’re probably a 28-30 (aka too small for me).

img_1840img_1841

Dublin Gray Kneepatch Breeches – 1 pair 30R, 1 pair 30L

$25 or $20 if you buy them both

Cotton with suede kneepatches, velcro bottom. Lovely dove gray that you can’t find anymore. I still have a pair of these that I use as show breeches for jumping/XC, but don’t need three pairs. The 30L pair has some loose stitching around the zipper (you can see it if you look closely at the second picture), but that’s the only blemish on either. Only worn a few times, if that.

img_1843

Classic Equine Waxed Leather Neoprene Tendon Boots (Size unknown, probably Medium)

$30

I love these boots. I just have never actually put them on Tristan because we’ve never been that fancy. So, they’re in pristine condition.

img_1846img_1847

Cashel Head Bumper, Black

$15

Used perhaps 2-3 times. It clips on to the halter to prevent horses from smacking their heads. Nice little gadget, it just turned out that Tris didn’t need it.

img_1848img_1849

Nylon Reins

$5

These are called “roping reins” on the tag. They’re short-ish (maybe pony length) with buckle ends to attach to a bit. I think they’d be great for a kid or to clip on to a halter for a quick hack. (Why I bought them, just never ended up using them.) Totally unused.

img_1854

Cotton & Elastic Side Reins

$20

These are awesome side reins, especially for a horse who needs a more forgiving contact. They’ve been used a bunch but the elastic shows no signs of loosening and the cotton webbing is still pretty clean. I actually love them but made an accidental discovery that Tristan goes better in the leather + rubber donut kind.

img_1852

Trailer Alignment Kit

$10

These are genius if you have trouble hooking up to your trailer. They’re on magnets, so you stick them on your truck & the hitch, then you back up until the balls are bumped together, and presto, you’re done! I got them as a gift right before I sold my trailer, so. As you can see, still in original packaging.

img_1844

3 Point Breastplate + Running Martingale

$25

Sigh. This was how I learned that Tristan needed a cob sized breastplate. I put it on him once to try it out and it’s been in storage since. Unknown brand. Not the nicest leather but not overly cheap. A good schooling piece.

img_1855

horse blog yard sale · Uncategorized

Horse Blogger Yard Sale Master Post

horsebloggeryardsale

We are now open for business! If you plan on participating in the horse blogger yard sale, please submit your link below.

You don’t have to have a blog to participate; you can also enter a link for a public Facebook post, online shop, or some other way to display the items you have for sale.

As I mentioned previously, there are no real rules for the blog hop other than acting like adults – represent your things honestly, communicate clearly, and pay in a timely manner.

Unfortunately, WordPress doesn’t allow any blog hop widgets that I can find, so we’re doing this the old fashioned way. Comment on this post with a link to your post, and I’ll list it here. Then link back to this post to get people back to the main list. I’ll keep it updated as I can – make sure you read the comments, too, in case I haven’t been able to update this post recently.

last updated 3/1 @ 12:30 am

Posts:

Pony Express: Items include browbands, saddle pads, and books
Jennifer: Schleese dressage girth & Drapier saddle sheet
Equinpilot: sheets, coolers, shipping boots, saddle pads, saddle, girth
Feeding My Heart to the Hawk: Hermes Steinkraus saddle
The Feral Red Horse: saddle, blankets, bridles, bits, breeches, more
Quantum Chromatic Aberration: polos, saddle pads, gloves, bell boots, custom-made belts
The $900 Facebook Pony: bit, leathers, breeches, blanket
Dutch Run Farm: bridles, saddle, blankets, girths, more
Brittany on Facebook: breeches, girths, jewelry, half pads, huge listing
Breeches & Boat Shoes: breeches, tall boots, paddock boots, shirts
Stampy and the Brain: jackets, shirts, breeches, tall boots, paddock boots, browbands, saddle pads
Fat Buckskin in a Little Suit: saddle, girth, bridle, breeches, show coat

blog roundup · Uncategorized

Weekly Roundup on Hiatus

I’m sorry to have to say this, but I’m going to officially put the weekly blog roundup on hiatus for the foreseeable future. I just don’t have time to work on it through the week in the way that’s necessary for it to be any good. I’m definitely still reading blog posts, and I often think “ooh, this would be good for the roundup” but the time and brain cells necessary to flag it and then collect everything later are just not there.

Hopefully after my current major work project wraps up I’ll be back!

retirement · Uncategorized

What questions to ask of a retirement situation?

One of my goals for 2018 is to investigate retirement situations for Tristan. To be clear, he’s in fine health, sound, and working happily – but he’s also 23 years old, and I’m going to need a lot of time to emotionally transition to his retirement. I know this about myself, and I’m trying to reassure my brain by doing as much thinking and research as possible.

I’ve reached out to a few farms and have heard back from one. My ideal situation would be to keep him here in Vermont, somewhere that I can visit a few times a month. Or daily. You know, whenever I have the kind of emotional breakdown only he can fix.

While Tristan used to be the world’s easiest horse to manage – he lived out 24/7 in Vermont without a stitch of clothing and was happy and fat – with age he has become considerably less so. In the last few years he’s needed careful blanketing in the winter, maintenance medication, and has come to quite enjoy his stall. (He has a regular nap time. Woe to me if I decided to ride during that nap time.)

Could he transition back to a more rough & tumble field board lifestyle? I don’t know. I need to work on figuring that out. Does he really need blanket changes? If he does, can I commit myself to doing them, or do I need to find a situation that will do them? Can I find somewhere within my vet’s radius?

My ideal situation would be somewhere within an hour’s drive, a small private farm, where I can work with the owner, help pay their mortgage, and Tris can be a good companion for their own horse(s). I’m hoping that by starting early I can seek out that right fit.

I’m putting together a list of questions I need to ask both myself and potential barns, and would appreciate any additional ideas you have!

  • How much is board? What does it include? Farrier, holding for vet, hay, grain, blanketing, grooming?
  • Are there stalls available? Do you have any horses that are regularly stalled?
  • How often are you hands-on with the horses?
  • Do you have visiting hours?
  • Do you provide updates? If so, how?
  • Could you share references from other retirement boarders?
  • If there are riding facilities, am I allowed to use them if I want to hop on?

That’s what I’ve got so far. Any other suggestions?

house post · Uncategorized

House Post: Garage!!!

Please allow me to express my true sentiments about this development.

https://giphy.com/gifs/books-tbr-to-be-read-T3o2jSO7mf7Ta

Yeah.

So, okay. It’s been a REALLY long time since I’ve posted a house update. The reason for that is simple: I haven’t really had anything to update. Winter has been eating my soul. I’ve been trying to launch a small business. I had profound existential angst about the projects remaining on my plate and their current stages.

Last week, I finally snapped, and I decided to throw some money at my longest-standing project: the basement.

When last we left the basement, we had put up strapping but still needed to do the drywall. Boy, was I dreading the drywall. Unlike the vast majority of the work I do, I would need a second pair of hands. So I lagged. Ignored. Made half-assed plans to bring my dad up to keep helping.

Last week, I called a contractor. He came and scoped things out. This week, he brought a friend, and you know what? He put up the drywall in my garage.

First, some before.

IMG_2288IMG_2289IMG_2290

And the after!

IMG_2297IMG_2299IMG_2298

AND FINISHED YESSSSSSS.

img_2317img_2323

Don’t worry my car got a bath the next day. And then the day after that? IT SNOWED AND I DID NOT HAVE TO CLEAN OFF MY CAR. IT WAS CLEAN. AND WARM. GLORY HALLELUJAH.

book review · giveaways · Uncategorized

Brain Training for Riders: Your Questions, Andrea’s Answers

51892rNSrWL._SX330_BO1,204,203,200_In Part I of this series, I reviewed Andrea Waldo’s book Brain Training for Riders. In Part II, she answered some of my interview questions, and in part III, she answers your questions!

Before we get to those, the winner of the giveaway for a copy of the book is…

L. Williams of Viva Carlos! Congratulations, I’ll be following up by email.

Now, your questions and Andrea’s answers.

Q: i’d love to hear more about how Andrea encourages riders to go about the act of “making better habits.” in other words, how to continue translating some of these thoughts, practices and perspectives into unconscious routine.

We have to consciously practice our riding skills in order to improve; our mental skills require the same conscious, regular practice. I go into all my rides with a plan–to practice flying changes today, for example. In the same way, if I’m working on eliminating mental chatter, I’ll plan to practice saying “delete” every time an unwanted thought comes into my mind. Rather than trying to change everything all at once, choose one mental skill to work on for several weeks at a time, which will help it become something you do automatically.

Horse Riding GIF - Find & Share on GIPHY

Q: I have a hard time with the sports psychology side of things. I like the positive visualizations and prep work, but it seems like as soon as I get into an actual competition environment I forget to even think about those things.

Make sure your prep work includes preparing a plan for using your psychological skills at the show. Write down exactly which skills you want to use and when. For example, plan to put on your Performance Self as you get into your show clothes. Then, post reminders for yourself in your show environment: on the truck dashboard, on the lid of your trunk, in your grooming box. Write a one-word trigger on your wrist, or stick a piece of colored tape discreetly on the crown of your horse’s bridle to remind you to use your skills. You can even set alarms on your phone as triggers: “2:45–BREATHE!”

Show Jumping Horse GIF - Find & Share on GIPHY

Q: I had one bad fall that sent me to the emergency room and it has been a struggle at times. It was scary. Because of what happened, my fear doesn’t really fit into the “dying” or “embarrassment” column. I don’t want what happened to me before, to happen again. It’s a specific fear. I wonder how she would address that.

As far as your Lizard Brain is concerned, this fall does, in fact, fit into the “dying” category: it believes you could have died, and it wants you to avoid getting into that situation again, because THIS time you just MIGHT die (from your Lizard’s point of view). Approach the situation gradually: for example, if you fell because your horse spooked and bucked on a windy day, start by riding inside on a quiet day. Imagine that you’re in the outdoor and he’s distracted, and practice skills for getting his attention again. Work on your seat so that you are less likely to come off if he does buck, and learn emergency procedures such as a pulley rein. Work your way up to being outside, then being out there while it’s breezy. Keep practicing your skills for coping with the situation. How do you know how much to challenge yourself? Rate your anxiety about your planned activity on a scale of 1-10. If it’s between 4 and 6, it’s challenging enough; below 4 is too easy, above 6 is too hard and you won’t be able to think clearly. Ride until your anxiety drops by 2 points, then call it a day. Keep doing this until your confidence recovers. If you backslide–something that was a 4 is now a 6–don’t worry, this is normal. Just start wherever you are at this moment, and you will get back to where you were.

Show Jumping GIF - Find & Share on GIPHY

Q: My question would be dealing with a psychological issue that has a physical underlining. When I broke my back falling off, I developed both a physical and a psychological issue. Now I will seize up in self-protection if my back gets hurt while riding. Bucking is really hard for me as the second my back hurts (physical) my brain shuts down (psychological) and then I often go to protective maneuvers (pulling the horse up) instead of what is actually needed (pushing the horse past the buck).

This kind of self-protection makes total sense. Your Lizard Brain is trying to protect you from further injury, which is exactly what it evolved to do. Thank it for protecting you; that way, it knows that you’re listening and paying attention to your body. Once you’ve done that, start noticing when your brain is shutting down–maybe when your horse is threatening to buck–and stop for a few moments. Take some time to breathe and let your fight or flight response slow down, so that you can think clearly again. You can’t “push past” Fight or Flight, because it literally shuts off the rational-cognitive part of your brain; you need to slow it down until you can think rationally. Then, make a plan for what you are going to do next–put him on a small circle and ride him forward past the buck, for example. Talk it through out loud while you’re doing it, if you can; this helps you to breathe and to stay in your rational brain. In addition, practice slowing your mind and body down when things are going along just fine: stop for a moment, take a few breaths, and make sure you’re present in the moment. Doing this when things aren’t at a danger point can help make it more of a habit, so it’s easier to do it when things are escalating.