It's a tough call, it depends how confident you are about doing the job in the first place and do you actually want it to be something like matte black?.... I am doing mine soon (satin) but this is because many panels have just been replaced and i have to repair quite a few dents, pluse the car is already black and i actually want it to be satin for a bit. The difference is I am confident I will do a good job and I do intent to save for a proper respray back to her original colour.
Some of the suggestions here have been good, as already asked, how bad is it really?... could you not see about getting a quote to get it touched up, duff panels sprayed and a good mop over?