The risk you run is having the belt break which can cause more extensive internal engine damage. You should at least have it looked at which can be done by a trusted mechanic. When you go in don't mention you can only do it if "it is going to break tomorrow". You should consider the cost of both scenarios. This should be a $400 or less to complete. Let me know if you need anything further.
Most manufactures recommend changing the Timing belt at around 60,000 miles / 100,000 Km or 7 years, whichever comes first. They have been known to last a lot longer than that but it is cheaper to have it replaced than to risk critical and expensive engine damage if it breaks.
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