When you are going golfing you have to consider the extra costs and responsibilities you maybe taking on. For example you have the actual cost of your clubs and equipment.

There is also the cost of replacing clubs or hiring equipment should they be delayed, lost or stolen.

The one area that a lot of people overlook is the liability aspect of golf. For example if you are on a course and your ball hits another player who is injured. They may decide to bring a case against you and without liability insurance you would be liable for all costs.