Saddle Problems

I have had some saddle problems in the past few weeks. So my friend Tiffany and I always go horseback riding when it's nice outside. So I saddled up both of our horses and we started riding out. Well I had been having trouble with her saddle because the leather was so worn the clip had been coming out of it. So by tightening it I thought I had solved that problem, but apparently not because the stirrup fell off. We rode all the way back to the barn and borrowed my neighbor's saddle for her and we took off again. It was all fun and games until my stirrup came off too, the exact same problem but different side. So now I have two saddles that I can't even use and 4-H is approaching very quickly. Plus, I'm pretty sure that it isn't fixable, so I am very sad and I don't have a job to buy a new one. I guess if I can find someone to loan me a good saddle I'll have to do that. I'm so sad about it, but I don't mind to ride bareback but none of my friends will go with me because they don't have enough balance to ride so they would fall off, which might actually end up being funny.