Speed Racer - To clarify, I am learning a discipline because I enjoy it. :)
The "saving" money was referring to the fact that where I take lessons now is $25 while other places charge $40. So I "save" $15 per lesson, which was great until I learned that there is a difference b/w English and Western saddles. Since I want to learn English (with the goal of eventually doing jumps), my $15 per lesson isn't much of a "savings" anymore because I am using a Western saddle during my lesson. Eventually I will have to learn how to ride an English saddle, and thus in a sense start from square 1 with my lessons. So in the long run, it will cost more money for me to learn English in a proper English saddle if I continue to ride in a Western saddle. I hope that made sense lol.
Thanks again for the replies, they were very helpful :)