All I can say is I would never put a horse above my relationship with my husband to be, the happiness of the people in general and most particularly not in the light of the fact that you want your own farm? Why do you not judge these savings in terms of the refinance and payoff of the vehicle as a sign that you may be getting closer to your real dream. Not something that just makes a short term so called happiness possible. Something is askew here and usually the dollar signs are behind it, you are not alone.
Since you raised the question of rationalization, I will say, that I did it once and I very much regret it.
"I have brought on the hatred of Wall Street and I relish it".
Franklin Delano Roosevelt
I think of stuff like that in terms of board. Like, "when I pay off my car in a couple years, that car payment could cover board on a horse!" But not in the sense that that justifies getting a second horse (I'd be more likely to split that "extra" money so some goes in regular savings and some goes in the emergency vet savings) but just in the sense that saying it that way makes the money more "real" to me. It's just another way of conceptualizing it, I guess.
Yea I totally do. I work a very annoying job for very little pay, so whenever I'm incredibly bored or irritated I just say "Hey. This hour buys half a bottle of fly spray!" Or something similar. I have a second project horse coming in in a few weeks and it has made my job MUCH more bearable
My horse cost just over $1k, so when I hear about something being, say, $14,000, I think of it as Fourteen Sams. (:
I seriously only yesterday thought about how expensive my board was. I mean, it's not like I didn't know how much I was paying, but it actually dawned on me yesterday that it's more than my car payment or my loan payments and really not that much less than my mortgage. Then I shoved that thought way back down deep in my brain again where it will hopefully never resurface.
Sounds like the OP is in a great position to get that farmetter sooner rather than later. Refi, lack of car payment and keeping the roomate means reaching the downpayment goal all that much faster. Then you can even have more horses.
If you get on with the roomate, I would tell live-in BF tht as long as he is willing to cover her share of the rent, then you are fine with letting her go. If not, oh well.....save your money for the farmette.
Yes, ALL THE TIME!!!! Clinics, HAY, supplements, lessons, board, farrier, you name it. Especially when something or someone at work is driving me crazy. I get more patience when I think of it as being for the horses..