Get a good used saddle. Then save up your money and buy a matching tack set that is the same color. It is easy to find breast collars, headstalls and reins that all match. But consider that a separate purchase from your saddle. As long as the saddle and tack set are close in color (doesn't have to be exact) it will look like you match because your reins/headstall/breast collar will all be the same color.
I don't think I have ever bought a saddle with a tack set and I have no problems coming up with all kinds of great looks that match.
You will look better to all horseman around you with nicely cared for, high quality USED tack than a matching set of new tack. High quality, well cared for USED tack says your are a true horseman. New, cheap tack that matches says you don't know what good quality tack looks like and you are a newbie. Just my opinion. You can learn a lot about a person by looking at their tack.
I see a lot of people with cheap tack (and by cheap, I mean quality-wise, not necessarily price-wise) and I come to the conclusion they don't know much about horses. I see someone with high quality, used tack, sometimes even beat to heck, and think that is a person that puts some miles on their horses.
Around here I also see a lot of folks with NEW expensive tack and know they are probably retirees that want to ride but never really put the mileage on their horses.
Maybe I assume too much. But I love looking at the tack of other riders.