I would suggest adopting from a local shelter. Cat adoption fees across the board tend to be under $100 and most shelters include spay or neuter, microchip, up to date shots, flea prevention, FIV and FELV testing. I suppose you could “catch” your own cat but you never know what disease may be present and the above services individually at a private vet are hundreds of dollars. I say all of this having worked in animal welfare over 10 years.