If you dream of changing your life for the BETTER, then FINISH the work you have started.
Don't wait for the "just the right time!" - it will never come!
How can you SAVE the money you do not have (that's... weird!)? Do what you must to make your dream happen, no ifs and buts!
No guts, no glory!
If you want this bad enough, take the FIRST STEP. Take one step at a time, and you will be amazed at how far you've come and how near you are to your GOAL.
As long as you persist, you'll get there!