If this were my dog, I would find another vet and get another opinion. If she were to be spayed correctly, the surgeon could re-tie/position the bladder and
eliminate both problems. Your girl is in for more infections and bladder damage by dragging her insides out.
I am NOT a vet, but I would definitely get a 2nd opinion.
And yes, I do understand not having $$ to spend for major bills, but perhaps you can get this performed at a near-by vet or animal hospital that has those spay/neuter clinics for a tremendous discount.