Most people understand financial reasons. Me especially. So.... you live in TO. They opened Spay Central this year for low cost s/n. $50 per cat. $10 for shots. Phone # is 905 -898 - 6112.
You could also try Toronto Cat Rescue. Contact info is on their web site. Explain your situation. They work very hard to spay/neuter cats in TO. They will do it for a donation. I would recommend around $50.
http://www.torontocatrescue.ca/store/index.asp