This freebie is by Jodi Taylor author of The Chronicles of St. Mary's which many here I think enjoyed.
The Nothing Girl by Jodi Taylor
Jodi Taylor brings all her comic writing skills to this heart-warming tale of self-discovery.
Known as “The Nothing Girl” because of her severe stutter and chronically low self-confidence, Jenny Dove is only just prevented from ending it all by the sudden appearance of Thomas, a mystical golden horse only she can see. Under his guidance, Jenny unexpectedly acquires a husband – the charming and chaotic Russell Checkland – and for her, nothing will ever be the same again.
With over-protective relatives on one hand and the world's most erratic spouse on the other, Jenny needs to become Someone. And fast!
http://www.amazon.com/gp/product/B00KFKQE50/
http://www.amazon.co.uk/gp/product/B00KFKQE50/
I suppose a mystical golden horse only she can see lets it count as fantasy.