If it's not bothering him then save up for the surgery, apply for care credit if needed. Shop around at different vets and see if you can find one that will do the procedure at a most reasonable cost.
Never never never would I consider doing surgery on my own dog, what would you do if something went wrong? Do you really expect your dog to just lie there calmly, even if you use some form of local anaesthetic to numb the area, while you're cutting into their flesh?
Please just either leave it alone or take him to the vet.
Jasmine - Female Miniature Poodle - born Aug 15, 2010
Loker Delgado Von Stalworth - Male GSD - born Jan 26, 2012
Koda & Zazu - 5 year old male cats
Alex - Male Cocker Spaniel (rescue) - RIP Cuddlebug 2007-2010