I used to be the same way. Didn't have a horse, went to a riding lessons place for 3 or 4 years. I had been trying to get a horse since I could talk. We couldn't afford it either, finally for x-mas I got my first horse. I just got him for christmas last year. But don't worry you will get your dream horse one day. Keep working and you will reach the stars!!!! Good Luck!!!!!