I wouldn't advocate a newcomer to horse ownership trimming their won horse's feet. I've had horses for over 30 years and wouldn't want to give that a go!
As regards cost of keeping a horse - depends how much you want to spend. It can be cheaply or not. I think you can take it as read that field/stable rental, some feed, foot care, veterinary care (to include flu and tet jabs, worming, and teeth,) and public liability insurance are basic requirements. You would be wise too, to either insure your horse for vets fees or have a decent amount of savings just sitting there for the unexpected.
I wouldn't trim feet (although my old farrier did once offer to teach me as he was making quite a long journey just to trim my pony) as I think the farrier can spot potential problems earlier than I could. Dhorse only gets a trim every few months anyway so at £20 a go it's peanuts. However you can save money in many other ways. They don't need tetanus jabs every year, only flu (tetanus every other year) and if you are organised with other horse owners you can share the call out fees. Same with the saddler, I wanted dhorse's new saddle fitted properly but shared the call out with someone who had just bought a new horse so it wasn't much. Jodhpurs, hats, boots etc for yourself - that's what birthdays and Christmas are for . I've just bought my sister a turnout rug for her birthday because that's what she wanted/needed and I once had bales of shavings for my Christmas present when I was particularly skint following a redundancy. Ours all have chaff and feed balancer with some carrots or something (because we are soft) and that's it for hard feed. A bag of feed balancer is £23 and lasts three of them for months, I think they had about 15 bags of chaff between them in the last year. (they might have a bit of fibre beet in the really bad weather but we only usually need one bag for the winter). We all put away £20 per month (so £60 between us) and that covers hay and feed for all three of them. So monthly for dhorse:- £65 field rent £20 hay and feed £35 insurance (covers 3rd party, personal accident, vets bills, accidental death, we take tack home so covered by household). £10.00 farrier if he's done every 8 weeks, he often goes twice that if he does a lot of roadwork. Occasional worming but we don't share our fields with anyone and the poo is picked every day so not a great risk. There is annual teeth rasping and jabs and a few other sundry things (electric fence posts maybe) but I still don't think they will take the figure over £200 a month. Petrol of course but the field isn't miles away, I can do it on my bike if I have to and have even walked it in the snow. When you consider that the local riding school charges £30 for an hour's hack I don't think that's bad. If my mum and I wanted to have 1 hour hack a week each it would cost us more than keeping dhorse for a week although no mud-scraping or poo-picking would be nice.
We have a decent sized shelter, we'd just have to shut him in there somehow. There is actually a stable that is supposed to be for emergencies but since all the paddocks got shelters we've been using it as a communal feed room.
I do know someone who kept her pony really cheaply. Grass livery, but she didn't pay her bills. Farrier didn't get paid for months either. She stole feed from other liveries and used their kit (hoofpicks, buckets etc.) She had sharers (one of whom was me) from whom she got some money, but I don't know where it went - not on the pony anyway!
I realise that I would need somewhere with people available for eg if pony got sick and needed attention when I'm at work so I would be looking at livery yards with staff on site rather than a field in the middle of nowhere. Appreciate I would pay more for this.
Have been keeping my eye on adverts for shares / loans for ages but everyone seems to want people during the weekdays, and I could only commit to weekends. Could possibly make some weekdays but couldn't make a firm commitment due to work. Also nothing suitable near my home seems to be available. Everyone seems to want experienced riders for feisty horses. All I would want is a nice, safe, steady pony for gentle school work and light hacking. I am looking to build confidence. I have decent riding and stable management skills but am no expert so I am looking for a suitable first pony and nothing too complicated!
Agree re price of riding lessons. I am in south east and it's so expensive if you want to ride once a week probably wouldn't cost much more to own own pony!! Also all the riding schools I have tried are not great - different instructor every time / really lazy horses / having to share school with numerous other riders (dangerous IMO) / lessons that start ten minutes late but finish on time / different abilities of riders in class ...... Just don't feel like I get much out of lessons at riding school (although if did get own pony would have some lessons on him to improve)