I can imagine that affording it can be an absolute PAIN. But like Granpa Bambu said, open a savings account and slowly put cash away there.
Think of it liek this:
Just put 3 Dollars a day into that account, thats equivilant to you daily coffee fix, or even less than a meal outside.
Open an account, 3 dollars a day, and in about 1 and a half years you are all set.
Put in 5 dollars a day, and in about 1 year, you will be set.
At 40K a year, that should only absorb 1/7 of an hours salary a day for 3 dollars. Or 1/4 an hours salary a day for 5 dollars.
Sometimes you really have to go out there and do something for yourself, make your family understand your suffering.