2002 Other Saturn Models Temperature guage is going higher t

Hi my temperature guage with the little water icon down below seem to be rising faster than usual. My fan comes on; and I have my oil changed regularly; however, I have not put coolant in my radiatior in years. I just add water to the overflow tank. Can you advise me on what steps I should take next? I am a woman on disability and need to try and save whatever I can, so I truly appreciate any help you can give me. Thank you