Totally Horse Mad — Kathy Helidoniotis

The first book in a wonderful new series about horses, riding and friendship the only things that stand between Ashleigh Miller and the horse of her dreams are a whole lot of dollars that she doesn't have, parents who don't know one end of a horse from another and a city backyard the size of a shoe box. Ashleigh can't believe it when her parents announce that she will finally have a horse of her own, but at a price she could never have imagined. the family is leaving the city and heading for Shady Creek, a small country town. And that's when the horse adventures really begin.