I hope your situation will improve in a near future. Even if it's not very quick, little by little you may be able to get the workstation you're dreaming of. Did you look into 2d hand desks? Sometimes there are even some given for free. Now I can imagine you may also have a space problem and need to move or other things.. I hope that will improve fast!
I have an old cheap desk that does not fit well in the space I have, so it's all cramped and I hate my workplace. I don't replace it also for financial reasons.
And actually, financial issues are partly due to the fact I like to visit my family who's living on 3 differents continents (so 4 with mine), and visit period is the period I can draw the most.
So I end up rarely drawing on a desk. I draw in airports/airplanes, train and stations, various houses of relatives, often sitting on the floor because there is not necessarily a desk for me. Also on hotel beds!
90% of my comic is made in such conditions.
Not great for my back, but I don't mind it so much.