I say if you want it then you should get it. Just like with kids, if you waited until you could afford them then you would never have them. You will come up with the extra money if needed for emergencies when necessary. You only live once, be happ...

I hate to be the bearer of bad news but I had a dog that delivered 6 days early and she was at the vet and they all died. One lived till the next morning but the others died as soon as they were born.
Good luck and maybe she will make it furt...