Smart money tips for equestrians.

Mary’s knows that riding horses isn’t just a hobby. The equestrian lifestyle is a full-time financial commitment. With a few simple tools and smart habits, you can easily manage your equestrian budget and spend more time in the saddle.

Open a dedicated equestrian account.

One of the easiest ways to manage horse-related expenses is by opening a dedicated checking and savings account, so you can keep board, feed, and vet bills separate from the rest of your spending. Look for options with a competitive rate that are built to support barn life. That way you can get more out of your money and stay on top of the costs of riding with perks like mobile banking, early paydays, and lower fees.

Build an emergency fund that helps you earn more every month.

We all know that sinking feeling that comes with an unplanned expense. Having a dedicated equine emergency fund helps you stay on your toes. Even setting aside a small amount each month can start adding up quickly when it’s earning interest in a high-yield savings account.

Think of it as peace of mind, guaranteed: from surprise vet bills to new gear or sudden repairs, you’ll have funds ready to keep your horse healthy and your barn running smoothly. Choose an account that lets your money grow while keeping funds easily accessible. The goal is to cover at least three to six months of horse-related costs, so you can focus on care instead of stressing about the bill.

Set goals. Your future self will thank you.

At the end of the day, budgeting is about making room for things you love. Whether you’re saving up for something small in the barn, a bigger investment in your riding journey, or even a shopping spree at the next Mary’s Customer Appreciation Event, setting goals gives you a path to the things you’re working toward.

Use your account’s spending summaries to see exactly where your money is going each month. From there, set limits or create quarterly budgets so you can stay on track and know when it’s time to reward yourself.

Ride smart. Spend smarter.

Money shouldn’t come between you and your passion for horses. With the right account, you can keep your barn budget on track and your focus where it belongs—in the saddle. Open an equestrian checking and savings account with Axos and make every dollar work.