=/ Check on Craigslist again. There are LOTS of Western saddles for sale for very nice pricing. I looked around Central Michigan, and there seem to be lots of good deals around.
Also, with $150-, you can't really be too picky. Right now you just need to find something that fits your horse, but isn't totally shot condition wise. OR, save up some money. Do some work around the house, and see if there is anything you can do for you parents that they will pay you for.
I know how you feel. I am fifteen, and money is hard to catch at this age. And, with horses, we are always needing something.
Red Money Maker (Red) - 2004 Sorrel QH Gelding