Any Veterinarians/cat owners?

Normally I'm not one to make a post like this, but I'm at a loss. My kitty just turned 7 in August.

She has had a stuffed nose since late June. I'd make her a vet appointment, but we don't have the money to take her right now. I can hear her breathing from across the room, sometimes from another room. She's been sneezing a lot and stuff comes out, but she won't let me wipe her nose after so she just ends up eating it🤢. It's probably nothing and I've been doing all I can to keep her from getting pneumonia. Any advice would be really helpful.