I agree that the saddle didn't fit. There was way to much Space on the bottom of the saddle to the horse. Saddle hunting is a difficult task. I agree with trying to find a a Billy cook or something, better the brand, the better the fit. Can you haul your horse to the tack store and try on every saddle in the store? Once you find one that fits her, you can order the seat size you need or look for it used. Every saddle maker is different and one gullet size won't be the same in another brand :(. CONFUSING AND HARD. I've been here before just like you. You could try these templates to give you a start. Trace them onto cardboard and cut them out and place them on the horse. http://lib.store.yahoo.net/lib/thesa...llet+Templates
I've uploaded a couple of pics. One shows you how you need to pull your pad up into your saddle or it's going to put to much pressure on the withers. I think your saddle is placed about an inch or two, to far back, but it really isn't all that bad.
Good Luck! And Welcome to WESTERN!