Here are some Money Saving Tips (there tips are only really recommended when you're running low on cash):
-Don't do the Ultrascan on a pregnant mare
-Don't feed your howrses - just put them in the pasture for ages
-Don't buy apples or turnips - find them in the pastures
-Only put your howrses in your EC (if you don't have you own EC, put them in a cheap centre)