Now, I made my reining horse into a barrel horse and a horse I can show in-hand and on the drill team, as well as carry the flags at the rodeo and pen/sort on. I gave up my lease on the warmblood when I decided english wasn't for me,, and now with only one real horse to focus on it's been SO nice.
Sure I have to take precautions, like making the bridle and tack significantly different for both reining and barrel racing, but that wasn't a big deal. It cut down our costs significantly, I can afford now to taking my uni classes through the HS and can make it to the barn to ride a lot more often, as well as afford more lessons and more trips to more shows. I can afford to get her ridden if I'm going to be out of town by my trainer. I can afford other luxuries such as new boots when I need them, new tires, got my windshield replaced on the truck, painted my 2H trailer, etc. Even being able to afford little things like a quart of oil or an extra lunch at subway makes a huge difference to me.
Plus, here's something to think about too: can you afford vet bills? Can you afford to put one of them down if they get into an accident? Can you afford the bullet and a gun to do it yourself if it is that severe? There is no worse feeling than watching the animal you love more than yourself in excruciating pain and you being helpless to do anything about it.