Horse Cents

By Mandi Summit and Tracy Herrmann

Horse Cents is the story of a young filly named Clover who likes to spend her allowance money as soon as she earns it.

One day, Clover grows bored of the items she can afford with her weekly allowance and dreams of something more extravagant, like sparkly horseshoes! Mom and Dad encourage Clover to save her money

• Language: English
• Publisher: Red Quill Co LLC
• Release date: Feb 14, 2023
• ISBN: 9798987478103

Mandi Summit

Mandi is an entrepreneur, book editor, author, equestrian, mom, and wife. Having two wonderful daughters of her own, a love of horses and the written word, and a background in banking, the inspiration for her debut book, Horse Cents, was ignited. You can learn more about Mandi both on a personal level and a business level by visiting her website for her editing business, Red Quill Co, at www.RedQuillCo.com.

Book preview

Horse Cents

Horse Cents

Horse Cents

Mandi Summit

publisher logo

Red Quill Co LLC

Copyright © 2023 by Mandi Summit

All rights reserved.

No part of this publication may be reproduced, stored, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise without written permission from the copyright owner. It is illegal to copy this book, post it to a website, or distribute it by any other means without written permission. For more information, address: [e-mail].

Designations used by companies to distinguish their products are often claimed as trademarks. All brand names and product names used in this book and on its cover are trade names, service marks, trademarks, and registered trademarks of the author, since they are all from the author’s imagination.

This novel is entirely a work of fiction. The names, characters, and incidents portrayed in it are the work of the author’s imagination. Any resemblance to actual persons, living or dead, events, or localities is entirely coincidental.

3rd edition, January 2024

Proofread by J. Nicole Starnes of Jot & Tittle: A Proofreading Service, LLC

Illustrated by Tracy Herrmann of Children Book Art by Tracy Ann

ISBN 979-8-9874781-1-0 (paperback)

ISBN 979-8-9874781-0-3 (eBook)

www.RedQuillCo.com

This book is dedicated to

my thoughtful ballerina, Ember Dawn, 

and my adventurous cowgirl,

Karissa Brooke.

Contents

A Letter from the Author

1 Allowance Day

2 A Long Wait

3 I Want It Now

4 Mane Attraction

5 The Horseshoes

6 Feeling Blue

7 Mom’s Offer

8 The Golden Saddlebags Bank

9 Clover’s Very Own Bank Account

10 Decisions, Decisions . . .

11 Clover’s Patience Pays Off

Thank You, Reader!

Acknowledgments

About the Author

Discussion Questions

A Glossary of Banking Terms

A Glossary of Horse Terms

One of the greatest gifts you can give your kids is to teach them to be responsible, empowered adults around money.

—Unknown

A Letter from the Author

Dear Parents,

Clover’s story is based on my own personal childhood lesson in saving money. I remember very clearly laying my eyes upon a giant stuffed Simba from The Lion King in a ToysRUs store. In that moment, I wanted nothing more than that stuffed animal. I had my allowance in hand, but it wasn’t anywhere near enough to get what I really wanted. After begging and pleading with my parents to pay the difference, they insisted it was time that I learned to save my money.

Just as Clover’s dad promises to take her back to the store as soon as she saves up enough money, my parents made the same promise to me. Soon after, I opened my first savings account at my local bank and learned the value of saving. When I eventually returned to buy that stuffed Simba, it was on sale! My patience had