When one takes in an animal, one is responsible for her. So if you cannot affird to neuter/spay her, you need to find someone who CAN afford her or a low cost clinic. I am not sure where you live but there are many places that will charge not much money for spay surgery or set up a payment plan. You owe it to your kitty if you truly love her!!!
Just when we plan for children, we need to know we can afford to care for those beings we bring into our care. There is no such entiry as a freecat and I get ill every time I see "free to a good home" because you know what happens to those kittens - a small few are lucky enough to go to a good home that can provide the food, care, playthings etc that a cat needs. Most are treated abysmally and end up either starving in the wold - especially if they are uneutered and end up discarded (free seems to tell people they are worthless, sigh!!) -, sold by bouchers to labs where they live horrible lives and deaths or they end up as snake food of some kind or as bait for training fighting dogs. There are sites that explain this better than I - here is one example:
Every week you see them in the ads. section of the papers "free kittens to good homes". The following tale is a warning to everyone who puts these ads in the papers for kittens, pups and dogs.The ad said "free kittens to good homes" and a telephone number. Over the next few days several people called to see and collect the kittens. As each person left, the woman said to the person "you make sure it gets a good home, I am fond of it".The first kitten to leave was a ginger female. Her four year old owner loved her to bits, but she accidentally injured the kitten's shoulder picking her up the wrong way. The child could not be blamed - nobody showed her the correct way to pick up a kitten. She named the kitten 'Ginger', but was very upset a few weeks later when her brother's friends "sat on it".The next to go was the white male with blue eyes, The person who took him named him 'Snowy'. Sadly, 'Snowy' never learned his name and as the new owner paid little attention to him, never realised he was deaf. His first adventure out of doors ended in disaster - he never heard the car.The next to go was a grey and white female who went to live in a neighbour's farm, and like her mother she was a mouser. Unlike her brother and sister she wasn't even given a name, but fell ill after repeat pregnancies, and died, leaving a new born litter.The last 2 kittens went to a pretty woman who wanted the two so they could remain together for life. She later sold them to a laboratory for Euro10 each. They are together as she promised - in a jar of alcohol.All the kittens arrived in heaven at the same time. They all played together, licked each other in delight and then together passed through the gates, passing a sign in big gold letters "YOU ARE FINALLY FREE KITTENS".The moral to this tale is: never hand over a kitten or any animal without checking where it is going. Never give it away free - take a donation and give it to a charity of your choice if you wish, and always get a name and address and follow up where they went. Other wise they could end up like any of the kittens above.
M. O'Sullivan (sec/pro)
At any rate, please neuter your kitty. Unfixed cats are more suseptible to mammory cancer and other illnesses and it is not fair to bring a cat into your home and then not care for it. Cats cost money and you just need to plan accordinly!