Tuesday, May 5, 2009

Talking about horse property

On Sunday while my husband and I were walking along the trails near the barn, we got onto the subject of buying horse property.

We've talked before about the possibility, and Michael knows I'd really like us to own horse property someday, so that I can take care of Panama myself instead of boarding him. Michael is skeptical as to whether we can afford horse property in town, and I wouldn't ask him to make the commute from the outlying (read: more affordable) areas in Denver. Neither of us like the weather in those areas, anyway.

What brought it up though is that Michael has been seeing horse property at much more affordable prices lately — no doubt because of the housing market issues. So we started to talk about the possibility of buying horse property in a couple of years, and what we would need to do in the meantime in order to get to that point.

Of course, the most obvious thing is that I will need to maximize my income as much as possible. As a self-employed freelance writer, I can actually make more by working more, which I know is a luxury that many people don't have. Until now, I've admittedly been taking advantage of the other end of the spectrum, and working less at the cost of a lower income — but if I want us to be able to afford horse property, I will have to start diligently working more hours again. We'll need to be able to prove a track record for my income in order to qualify for a loan, which means that the next couple of years (or however long it takes to find a property) is a crucial time.

Our conversation has sparked a new determination in me, though. I can do this — and I will. I ought to consider taping a picture of Panama, or perhaps of the perfect property, over my credit card pockets in my wallet, as a reminder of what's most important to me!



At May 5, 2009 at 8:57 PM, Blogger Nuzzling Muzzles said...

That's exciting! You should start looking now to get an idea of what is available and what the pros and cons are with different properties. Take your camera and post pictures of the places you look at. Interview the neighbors. Then I can vicariously live my dream through you. ;)

At May 5, 2009 at 9:31 PM, Blogger Laughing Orca Ranch said...

Oh! That's wonderful. I hope your dreams come true and you're able to find a horse property in the coming years. :)


At May 6, 2009 at 12:17 AM, Blogger Katharine Swan said...

Thanks, NM and Lisa!

NM, we definitely are looking now. I had the same thought -- that we should get an idea of what's available, what we are willing to sacrifice and what we can't live without, and what the price ranges in our target areas are. That's a good idea to take my camera. I definitely will. :o)

At May 6, 2009 at 12:10 PM, Blogger jane augenstein said...

Oh, good luck on your property hunting.
Here in Ohio property is not as high as where you are. Our farm is 40 acres but not much flat to it, mostly all hills. If you flattened it out it would be a pretty large farm, LOL! My horse lives on a hill side; our only flat land is hay field, about 2.5 acres.
I am so lucky to have land that I can keep my horse on, I read that a lot of people, like you, have to board.
Good luck!!!
~Jane and Gilly~

At May 6, 2009 at 1:08 PM, Blogger Katharine Swan said...

Jane, you ARE lucky. :o)

Horse property in Denver IS expensive, especially if you want to stay in town and not move to the country. Neither Michael or I like the weather to the south and east, where acreage is cheaper, so it's not an option for us. Plus I would never expect Michael to commute a long ways to work, as I know he hates driving in rush hour.

I'm more confident than he is that we'll find what we're looking for, where we're looking for it, and at the price range we're looking in. We only have to keep looking and eventually the right place will come along!

At May 6, 2009 at 2:48 PM, Blogger jane augenstein said...

Good, do just keep looking. This place just kind of fell into our lap. My neighbor and I had been friends for years and she told me that the farm up from her was for sale. We called the Realtor next morning, went and looked, then went to the bank and within a week we owned the farm we now live on! This year is our 12th year here.
Just hang in there it will find you! :-)
~Jane and Gilly~

At May 6, 2009 at 3:03 PM, Blogger Katharine Swan said...

I'll bet the "fell into our lap" story is more common than not. We'll definitely be ready when my dream property falls into ours! ;o)


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