Are any of the lesson horses at your barn available for lease or half lease? This is a great way to have a horse of your “öwn” without buying and taking on the huge financial future. Horses are like having children that can’t tell you where it hurts or why they don’t like their food. And just a few months into lessons, you probably are getting a big case of horse fever. Don’t worry, it’s sometimes a lifelong affliction you can’t get rid of, even if you stop riding. Hahaha. But it’s a good fever to have. Whichever you decide to do, involve your trainer in looking at horses. This person best knows your riding ability and what kind of horse would suit you best, plus can help you avoid a bad horse or a bad deal.
Congrats on your riding lessons, its a pretty great world to be a part of. And the SmartPak forums are chocked full of great advice and great people who are willing to share it.