Christa we live in Shelbyville. We are about 25 miles outside of Louisville. We are sort of stuck right in the middle of Louisville and Frankfort.
I still think you would be happy once you did it and unless you ended up with a very sick kitty I don't think you would notice much financial difference at all. They don't eat that much more than one. Since I added mine two and three at a time I can honestly tell you I really didn't see that much of a difference since it happened slowly.
It is just my personal opinion but cats are social creatures for the most part and I think they need company. Now there are the exceptions that need to be the only cat but I think that usually happens because they were always alone and as they got older they didn't know how to relate to another kitty.
Of course you always take the risk that a kitty can develop some sort of problem that could lead to lots of vet bills but that is totally unpredictable and not common.
It is a responsibility and I'm glad you are taking it serious before you make the decision. It is a commitment for the lifetime of the kitty.
We support you no matter what you decide to do.