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I would be leary of fencing, there probably is no arena--indoor or outdoor--or anywhere else to ride.
Even if you've done well the few times you've been on a horse, there is A LOT more to horse ownership than "get on and pull to stop, kick to go." Take lessons, enjoy riding a horse that ISN'T yours for awhile. I would suggest lessons for at least another year and possibly leasing a horse before you take the plunge of ownership.
No one ever told me I was a natural on horseback, but I got to be a very good rider through years of experience which is more important in the long run than any natural talent. My daughter has been riding since she was 2 years old, but didn't ride on her own in a show until she was 5. This year at 6 she did her first distance competitive trail ride.
Well i showed charlie at this barn it sorta like a friend of ours barn. SHe owns 15-20 acres There is pretty nice fencings its all elictrical. THeres a outdoor arena but no indoor i can ride next door and use their indoor arena though. CHarlie is almost like a lease i cna ride him whenever he already knows me VERY well such as he me around when he normally doesn't do that for his real owners. This stable is a nice stable nothing fancy but its a good size all the horses are kept in the paddock unless you want a stall.
If I recall you live in Wisconsin. I live in Michigan. If you plan to ride AT ALL on any day the weather isn't perfect--especially being a novice--you do need an indoor arena. Trust me, we get the same snow, wind, rain, blizzards, sleet, freezing rain that you do. While I have ridden outside in 20 below and in a foot of snow, the indoor arena makes riding in winter MUCH easier.
If this Charlie is almost like a lease, I would suggest you keep riding him under supervision of his owners and take lessons. You're young, please do not be in a rush to get a horse. I began taking lessons at age 6, began small shows at age 10, A-rated shows at age 14, my first horse at 19. I'm sure others on this board will tell you their ages--that will be older than 19--when they got their first horse. Often times, life gets in the way and it's very common to wait until your late 20s after family and career are established before getting your first horse.
My boyfriend--who is 41--wants to get a horse. Financially, he's not ready. Riding ability, he's not ready. He has permission to ride a few different horses out at the barn which he does to get more practice. And I insist that he learn more beyond riding. He's learned to safely get horses out of the pasture and turn them out, groom them, saddle and bridle them (both English and western), bathe them, he watched the farrier trim hooves the other day, he helped me and my daughter at the county fair this morning with her pony. He's asked me lots of questions about tow vehicles and horse trailers, fencing and housing. He's been at this since May and, no, he's not ready for a horse yet.
Relax, ride the horses you can. Believe it or not, not everyone gets the chance. There are TONS of kids your age who would love to have the opportunity you've been given. While you may bemoan your lack of a horse of your own, please look at it another way.
YOU ARE LUCKY TO RIDE
Again, not everyone gets to do this. I was given a chance to show Arabians at rated shows in high school. I took advantage of it. None of the horses I showed were my own, but did I learn? You bet I did. It made me a better rider and made me ready for a horse of my own when I got older. This of this time as prep time for then.
We may sound harsh on here, but few children are lucky enough to grow up with horses of their own.
