You can make polo wraps, standing bandages, and such on your own if you have basic sewing skills. I'm not sure how, but my barn manager uses some sort of bulk pesticide for cattle or something and mixes it up for his horses... Not sure about that.... There are lots of online recipies I've seen for fly spray. We have 6 horses and find it less expensive if you buy the concentrate of fly spray and dilute it yourself. You can use human shampoos and conditioners, and try to really groom your horse well so they shine naturally and you don't need shine enhancers. If you go to a 4h tack sale or garage sale type thing there are usually gently used items for very cheap. Try to borrow what you can.