Have you considered looking in to Yorkie Rescue? Anybody who breeds Morkies is not going to be a reputable breeder. And if you can't afford much, I'd say looking in to rescue would be a great idea. Try
Pet adoption: Want a dog or cat? Adopt a pet on Petfinder . Please keep in mind the biggest expense is after the initial purchase. Vet bills, premium food..It adds up a lot more than you think and if you can't afford the up keep which can be thousands per year, then I would suggest waiting until you can afford. JMHO