I take it she's indoor only then Kerri? Defo get her done ASAP - there are so many helath benefits of spaying eg reduced chances of mammary cancer for one
Worth checking if your local RSPCA or Cats Protection have a spaying/neutering campaign on as they often do low cost neutering, I know my local one regularly does. If not, and like many of us finances are a bit stretched at the moment, you may be eligible for a voucher towards the cost from Cats Protection.