If this is gingivitus (and it sounds like it is) you really need to get your cat in for a dental procedure. It isn't as expensive as you might think. Letting it go will cost more, possibly your cat's life. Bad teeth and an infection can affect other organs. Nothing you do now will make it go away; it will only get worse.

Shop around for a vet that will allow you to make payments or can suggest other financial arrangements. Have you asked what it will cost?

Mary