I like the fire idea (finical independent retired early), and we can get lots of inspiration from the system to improve our economics. But as I said before, it’s not possible have some horses and cut the costs that much if you not make crazy much money from beginning and then you don’t have any interest read this blog. Yolo, you only live once that’s true too. Is it possible make these to work togheter? I think it is, and I will prove during this year it does.

Fire, it’s actually mean you can save 100% of you’re income, goal is not have to work. I realise as long as I have horses I will have to work, it’s OK, but I dont wanna worry about money. 1000euro is nothing if you have to go to vet Sunday night.

Last week I talk about own your home, and I said mine is totally rebuild. Many people think but I’m not a handyman and I don’t have the skills build a house. Ofcourse some jobs have to be done by professionals, but most of it you can do it youself.

It’s not 1988 anymore, Internet is an amazing tool. There are great videos on YouTube that explain and show you everything you need to know. This house is build with YouTube. For inspiration you have blogs, Instagram and Pinterest there (damn) creative people show how they done. All for free.

Do you want pics on mine and links to cool sites in this blog? I prewright those post that are generally and will try make 52 of them, but plan is have reallife posts as well if anyone read it.

To buy a house, farm or apartment as soon you have enough income to borrow money and have cash is with no doubt the best investment you can do. Some say a home is not an investment, but it is. Its something that you can sell and possibility that it’s increased its value. I bought mine in 2011, rebuild it totally and it have take 10years. Now I live in a almost new house for a cost less then a garage.

I find it difficult in cv19 times, keep motivation and actually improve the training without shows. To compete is a great way measure result from training. As my horses already had their time off, it’s time build for future. This week its focus on canter changes, next higher level of collection and the week after that it’s condition training, just to have a plan. How do you plan your training during this winter?

I wish I would wright goals about shows and so on, but I dont think there will be any until summer.

So boring goals, but still important

*100000euro in stocks and bonds

* stop smoking

*do a cv, and use it

*sell things for 500 euro

*make 1000 euro extra without work

*do a plan for the year and follow it

*this blog, one post/week

*Instagram, one post/week

*15credits University courses

*make 20000euro on my business

*daytrading, read lern and training

*10000euro plus on stocks

*no shopping

*save as much as possible

*get a new cat (sacred birma as I have already but one more)

This is a big post for most horse owner. I’m a farrier my self, so not here anymore. I haven’t start save the money I save on my horses yet, but next year I will.

But some tips to other horse owner to keep costs down. Keep the hoofs in perfect condition, to keep them clean actually save you money. Less lose shoes on horses with good quality hoofs. Learn change a nail and control the shoes everyday. If you don’t have shoes on youre horse, get a rasp and keep the wall under control (ask your farrier). Does you’re horse really need shoes, many actually don’t. My dressage horse don’t have hind shoes and hoofs look great, he wasn’t nice shoe so that’s why we try have him without.

In some periods I’ve been crazy with keep costs for food down like 30euro/month, you can easy survive on that budget. But, we are high productive folks, we need better food. So 100euro plus two times/month I’m dining out with friends and clients (it’s the same, but sounds better I dining out with clients). I often eat same food and if I’m not hungry, I don’t eat. That my food isn’t tasty doesn’t matter then. I go shop on Fridays at Lidl. Planning is importent to keep high quality, to know exactly what to buy, and what I have to eat next week save time and money. (soooo boring). I think its boring talk about food, so no more about that. My freezer is broken, so it’s effort even more planning

Feed, that another thing. I started calculate horses feed on a horse feed program, I gave them more feed then needed. So saved a lot to take that time. A good hay is often enough, and you don’t need give so much extra even for horses with more needs as mine. Cut the bill in half when calculate.

I really like this way of buying properties. High, often monthly dividend, you don’t have to paint the house and still make money.

Reits are common in the US and Canada, some more countries, but here we can just buy stocks in US and Canada that have reit. Reit is real estate and an type of firm that have special rules, they don’t need pay firm tax and are not allowed have I think more then 45% of loan. Instead they have to give 90% of thier profit to the owners, and have often dividend of 8-10%.

If you buy in other countries there are a few things you have to be careful of.

1. Value of money, if usd go down compare to your money you’re stock go down to.

2. Courtage is higher, buy for atleast 500 euro.

3. Taxes, they will take tax in those countries on your dividend, check with youre bank how they solve it in youre country.

This will be my little 2021 project, the true story about how I made 100000euro, have low income, 6 horses and everything around the equestrian world. There are people with no horses that easily can save and get FIRE, a nice thought I think. But honestly it’s not possible for normal people that have horses and want do shows, breed, training and improve. There is no limit in how much things can cost. People think im rich and not understand the effort that is behind and how things is, everyone can do what I did, but you have to be consequence. What is important and what is not important. You only live once, make it outstanding. Even if no one read this, I will update regularly and hope during this year I find new solutions and ideas how to improve in finance and equestrian 😉

About me: first I don’t know a shit about technology so it can be some error here…. And English is not my first language so might be some grammar error and bad spelling, please tell me 😊. I’m turning 40 year in 2021, I have 6 horses, for showjumping, dressage and one breeding mare (my old showjumping partner). I make 1600euro from work monthly and like 500euro from own buisness. At the moment stocks are worth 75000euro goal is 100000 in 2021.