I didn't think too much of it when my toilet was acting up a little.
Has it turned into a bigger problem now?
Yes, I can't use it at all now and need to call a plumber.
You shouldn't have let it go like that, now it's a big problem. When a small problem comes up you need to keep up with it before it becomes unmanageable.
I didn't want to spend money on a plumber.
I understand people's financial situations can put them in a bad spot. But letting it get out of hand it's gonna put you in a worse spot. There are many alternatives you can look into, and I would recommend you do that now before it gets worse.