I understand why some are advising to wait but personally, if you can afford it then I say go for it.
We got our pony to help our DC and they had been riding regularly for 2 years (now 8 and 7). I’ve had my own ponies as a teen which was very much my thing. This time around it’s now a family hobby. But it’s more than a hobby, and owning a pony is more than just riding.
In the 6 weeks we had ours, we’ve done so much together. The kids love mucking out, grooming, cleaning tack, poo picking the fields, spending time at the yard. And if they feel like it, we’ll ride. Usually 3 times a week. We might go in the school or we’ll hack out with a picnic and collect blackberries. I’m loving this as much as them.
My DS has mild ADHD and has found riding to be very useful. He’s much calmer when he’s riding which is incredible for him.
We’ve got a 12.2hh 22 year old Welshie. She’s a doll. My son is a very tall 8 year old and strong too. He was riding a 14hh at the stables and so I do fancy getting a share for us. We were advised to buy the pony that’s right for us now, not for the future. I I’m so glad we listened. You want a safe and steady pony that you learn a lot from. If your DD progresses then you move on, that’s what happens.
Costs are a huge factor and the night before ours arrived, I was awake all night worrying about everything. But she came and the sky didn’t fall down. She stood, ate some hay and the kids hugged her for ages. And we just took it all in. Honestly, I keep thinking it’s the best therapy there is.
I budget £500 for our for full livery and extras. She’s not shod and lives on air. But we have money for new saddles etc should something crop up. Maybe over the next few months putting a set amount aside a month - whatever the cost of livery, food, insurance etc is - and see how you get on. In that time, up the lessons, and get looking. It might take a while to find the right pony and it’s good to get out and try a few to test your criteria.