Ditto a used saddle. And buy a well known brand. Should get years of use out of it and if you take good care of it, excellent resale. I've rode in a Big Horn (limited edition show saddle - not an entry level saddle - no idea what there other saddles are like, but I love mine), circle Y, and hereford. I love my old circle Y saddle that I use for training, but I don't particularly care for my mom's circle Y show saddle - the silver is cheap. Yet my sister's circle Y show saddle is awesome - no idea why the difference - must be a price level thing. My mom used to own a hereford - awesome. You can find all the brands on ebay
used for less the $500 for some great looking saddles and then you don't have to break them in (unless the saddle is particularly nice, new leather is no fun).