[AshSavalle]

i hate to say it but it just seems that you are in WAY over your head. If your male needs to have surgery one day, you need to be prepared. As for breeding I think you are over it. I hope so. If you are that is a good thing. Just concentrate on the two you have and make sure they are in the best health they can be.
I would ask your vet when you should have your girl spayed. I would think since she is so small right now that they would want to wait until she is a little larger. I don't think it hurts to wait. Our youngest (male) is 5 months and haven't really even talked about it yet.