Join Date: Jun 2009
Location: British Columbia
Palomine, I don't think it's up to OP to realize she can't afford lessons 'period', it isn't so black and white.
OP is 13, she really has no business being in her parents' finances, and it sounds like her parents aren't including her in the financial decision making. She hasn't been asked to quit riding (in fact she said her mother said she didn't want her to quit), so there's nothing OP can, or should, do about it. Most parents hate having their kids nose into their finances, as it isn't any of their business.
On the flip side, I'm glad you're at least concerned, OP. I have a sister your age who couldn't care less about our families' financial situation and is always begging money out of my pushover fathers' hands. I think your best bet is to be super thankful for the lessons your parents are getting you but don't ask for extras. Be happy with what you have, don't fuss over it too much, and don't go after extra material things or ask for money. That is the best way for a kid to help out with their parents' pocket books, IMO.