If you are cited to court, no one....no matter how nice you talk to them...can reduce your fine, agree to make payment plans, keep it off your license, etc.

Go to court, plead no contest, and you will get a fine and court costs. HERE, in my county, you will be asked, "can you pay that today or do you need time?". Then, generally you are given 30-45 days to pay it off.

You could also go to court, plead not guilty, and it would get set over for trial on another day, probably 30 days further out. Then, when you go to the trial date, change your plea to 'no contest', and you will still be given time to pay (at least you are HERE). That way, you have close to 60-90 days to save up money to pay the ticket. Or, contest the ticket, and take your chance at trial. You don't pay more just cause you go to trial and are found guilty.

You could talk to the officer personally, and ask if he/she would consider reducing the ticket to a non moving violation...less in fines and no points. The police do do that from time to time...

The state you live in assesses points, and I imagine a mover like that would be two points. Your insurance company runs your license periodically, and it may adjust your rates upwards, until the points fall off. Here, that is 3 years.