Chickassan
RIP 1975-2022
Alot of vets take a payment plan with itty bitty payments too if you ask them and explain the situation. 

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My dogs name is stormyHahaha maybe thats the problem here too, 4 adult humans and a toddler...
They are Stormy and Midnight but i just call them black cat and gray cat lol.
Oh they're both female... Lol so im sure stormy wont be far behind getting pregnant.Also call the local vet, they will advise you of financial assistance programs for spay neuter and non-profit groups they work with. My cat's neuter was roughly half price through one of these programs. They usually have a brief application you need to fill out in advance.
Also the boy is more likely to stick around once neutered and less likely to wander off.
I figured the other cat might be an issue. Im just putting a few boxes around for her full of hay in places they hang out.and, no, you aren't likely to be able to encourage her to pick a "good" spot to have her litter. If you put at a box/house for her, the other cat is likely to want to sleep in it to which means that she won't have her kittens there. The only way to control where she has them would be to catch her and confine her