Since I'm the old person on this thread:
1. Your parents don't care if you get the saddle, as long as they don't have to help you buy it and make the shipping arrangements?? Right?
2. If that is the case:
2.1 The electronic transfer is an idea - just make sure you keep all of your paperwork until you receive the saddle.
2.2 I also recommend using PayPal if PayPal will allow someone 17 open an account. It is the safest way to do a business transaction. If they won't allow that, do you have a trusted relative or close friend with a PayPal account? You would have to make sure they would let you monitor your transaction.
Regarding shipping costs - rates have gone thru the roof, these last few years.
I just sold a 21 lb western saddle (via PayPal) and shipped from Tennessee to the east side of Pennsylvania. The distance was about 875 miles and the cost (with insurance) was $75
At 17 and with no help from your family, you need to make doubly sure the person you are doing business with is ethical.
How did you find the saddle? Craigs List, ad in a newspaper, Ebay, a-friend-of-a-friend-of-a-friend?
I'm not trying to put a damper on your saddle purchase, just trying to educate you on the dark side of buy/selling/shipping because you really cannot afford to lose your hard-earned money