Hello and welcome to YT
Please be sure to keep your girl away from unaltered males even after she stops having a bloody show. I believe this is when a female can become pregnant. Even if you have a diaper or belly band on the male they can still tie and cause a pregnancy. You need to be especially vigilant with her so that you are not put into a situation that you are faced with her becoming pregnant. You are correct that while in heat is not the time to spay so just please be very careful with her the next several weeks.
Here is a link to a Spay Certificate program. It's a low cost certificate that can be purchased and used within your Zip Code.
http://www.yorkietalk.com/forums/die...e-program.html
There are many low cost spay/neuter programs. Our local shelter sells a certificate that can be used at many of our area vet hospitals. Currently the cost if $65 for males and $90 for females.