Welcome to the forum MSwitch!
Hopefully some Toronto members might have leads on low cost vet care and spay/neuter.
In terms of where to ask cat trainig questions - we have a forum just for that and awesome members that contribute regularly
You can see all the forums from the forum's main page http://www.pets.ca/forum/index.php
and if you look about 12 categories down you'll see
Dog training - dog behavior
This forum is meant to discuss dog training and dog behaviour problems
Sub-Forums: Cat behavior forum - cat training
That's where you'd post and here's the direct link http://www.pets.ca/forum/forumdisplay.php?f=71
You could post a DIY thread in the general forum for cats and dogs if you like
Hope that helps!