While it may be easy to put off fixing that crack in your foundation wall (especially if there is no sign of leaking water), you should not wait too long to have the crack inspected. Soils on the outside of the foundation wall may be settling or adding pressure to your walls, and eventually will lead to larger issues.
There is no better or cheaper time to fix your foundation, then now. As the crack gets bigger and the problem increases, the cost of repairs will only go up.