I agree with previous posts about buying quality used tack. I splurged a few years back on a new Dale Chavez saddle and spent a good chunk of money...It's absolutely gorgeous but I prefer my 30 year old custom Charles Crawley.
Buy in bulk, anything you can. We get our shaving from a sawmill. I was the first person who asked the owner about it and he calls me first whenever he has a tri-axle load and he delivers it for me, saves substantially over bags but requires a good sized space to keep it in.
Orvus shampoo!!!! Buy it by the gallon container, it will last forever and it is great stuff.
Instead of buying individual slick & easy blocks, get a full sized grill block at a restaurant supply store. They are the same thing but rest. size you will get 10 blocks out of with a hacksaw. S&E's at the tsc are around 4 bucks each, the block from the food service place is $1.79!
Take advantage of "bucket sales" at the local farm store (I know Rural King & TSC both do them) where you get 15% off whatever you can fit in the bucket. The savings will buy the new water bucket. I usually fill my bucket with wormer and supplements...all the little stuff..you can really pack a bucket full! :)
Don't waste money on commercial whitening sprays for shows, corn starch and a toothbrush will make amazingly white socks & markings at a fraction of the cost.
Life is like a camera. Focus on what's important, Capture the good times, Develop from the negatives and if things don't work out, Take another shot.