I can see where everyone else is coming from but I also have my own experience (which was probably more luck than anything else). I got my first horse 2.5 years ago 2 weeks before I lost my job. My parents paid for boarding and necessities after I lost my job. As far as luxuries, I went without or asked for them for Christmas or my birthday. 9 months ago I finally found a job and resumed paying for everything my horse needed as well as boarding. I also started paying half the cable bill, my phone bill, gas, insurance, and whatever "wants" I had. One would think I have a good paying job. I don't. I don't even make minimum wage. But I had to decide what was important to me. Shopping, going out, or horses. Horses was always the answer. I still splurge occassionally but only after I know my horse was taken care of. I even just bought a SECOND horse a few days ago. I literally saved my change every week and when I could had extra I would throw singles, $5's, $10's, or even $20's into my piggy bank. My change paid for my new horse.
The luck part was how much I paid for my new horse. I got a well broke show horse for $200. He's such a good, solid horse that someone offered me $3,000 3 days after I bought him. I turned it down.
Be patient and keep your eye out for "steals"--horses that are worth way more than the asking price. Try Craigslist or petfinder (petfinder is an adoption website). It's worth the wait! Good luck!