Hi
It also depends on you, can you ride? how much?
If you have a draft type horse they may not need a rug, as much feed etc.
But over here if you want a second hand saddle there are lots in the paper for like £40, you dont need pricey stuff to start off with (safe stuff).
Yellow lab lover I dont know how you keep your horse's but i diffenatly dont spend that much per month,lol
also if you own your own field/stable or rent is alot cheaper than livery.
Ky and Rio