I think most communities have a low cost spay/nueter clinic in their area's if you check. Our shelter offers the clinic and only charges $20 nueter and $30 for a spay and 5$ per shot. I think this is great and I think a lot of areas offer this. I hope you can find one in your area.
Another thing you can do is volunteer for you local shelter and that kind of gives you in with vet care for the strays and needy kitties.