So car is 11-12 years old with 100k+ miles. As 1st you can take off upper belt cover (3 bolts) and you can visualy check belt's condition. If you will see cracks on it or white stripes between each teeth, you should change it asap. If there are no cracks (even small) on belt's surface, I believe it can handle next few months till you save some money for changing it - price will be higher I think, because there is also tensioneer, water pump (that means also new coolant water + bleeding), new auxilary belt too, new bolt holding variator on camshaft, so price including job price will be 350 Eur/350GBP or more. Service must use proper fixing tools of crankshaft/camshaft, but those tools are cheap and every service have it I believe.
I bought 1.4 8V previous year, car was 6 years old with 55.000 miles, and I changed belts+pump immediately. Anyway my old belt looks good, it has only tiny white stripes between teeths...but I changed it because I wanna keep this car next 5 years