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Practice is right, but when you don't know what to practice, you aren't going to progress very quickly.
Buy a book of finger dexterity exercises to help with finger dexterity, I remember practising Czerny exercises for hours, but they really do help. Buy a book of scales and arpeggios with fingerings and learn to play them all with the correct fingerings. Buy a metronome and practise slowly and evenly. All three things will cost you less than an hour-long lesson.
I still recommend lessons with a good teacher though., Perhaps take lessons once a month, explaining your financial situation? At least you will have some guidance and are less likely to develop bad habits which may injure you. You may be able to find a music student somewhere nearby who doesn't charge as much as you might expect.
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