If you have trouble getting money, ask people round about with horses, you could even put a notice in a tack shop. There may well be someone who needs their horses exercising, that you can do for free or pay something towards.
I don't even own Lottie or Tazz, but on a whim I just went up to the owner's house and asked if he knew anyone that needed horses exercising, and that I'd be willing to pay lesson rates so long as I got a bit more riding time than a lesson. Turns out it was the owner himself, as he's too old to exercise them but still wants to keep them. I get all the owning experience and amazing relationships with the horses without having to pay anything