It definately sounds like he could have an upper respiratory infection. I agree with checking to see if the vet will accept a later payment. When I found my Phoebe, she couldn't even meow she was so sick with a URI. Putting him in the bathroom with you while you take a shower will help relieve the stuffiness, and the vet can give him a suppliment that is supposed to help boost the immune system. Good luck and God bless.