Save Money & Buy Horses
This is an exciting and super fun game for any horse-loving girl. However older kids (11 and up) would probably do better at this game as it requires some understanding of money management, and you are free to chat with other players. The chat rooms are moderated remarkably well, however.
When you first sign up, you create a password and username. After reading rules and taking a quiz, you can select your server to start the game. You can subscribe for $5 a month. This gives you lots of excellent benefits. If you don't decide to subscribe; however, you can play for free. Non-subscribers get limited game play at first. You get 1 minute of playing time for every 8 minutes that pass. After you let your time build up a little, you will have hours of playing time.
This game has superb graphics, the horse artwork is beautiful, and the little towns are cute. There are several islands in the world, and you can travel across by boat. Most of the islands have little towns with shops and houses you can go inside. You can see other players walking around or riding their horses and you can always stop and chat with them.
Game play is a little more complicated than most horse games. To get money, you can dig up buried treasure, complete quests for townspeople or sell objects you find to shop owners or other players. After you have some money, you can buy a horse from the auction or another player. There are tons of breeds and colors of horses to choose from. After you have your horse, you can train it to gain experience points and ride it around for faster transportation. You can enter shows and races with your horse after you have some experience points. The game has lots of fun little mini games inside the big game itself.
The only downside to this game really is that you have to pay to get the full benefits. Although a subscription does not cost that much, there are similar games out there for free. This would be a terrific game to learn money management skill for older girls.