In reply to danmitchable:
Well do you go climbing with anybody? If you found a climbing buddy who drives then it wouldn't be unreasonable to contribute to the cost of petrol for them giving you a lift. Maybe you could get your girlfriend into climbing?
If you can't change any of the things that limit your climbing time then how about looking at what you do in the time you do have for climbing if you don't already plan out what you want to work on and achieve with your climbing. Make the time you do have for climbing, quality time so you get the most out of each session. So you are working towards something, think of what it is you need to do in order to achieve that and set yourself a plan to help you stick to it. That might seem like a lot of organisation but if you absolutely cannot compromise on time/money in your other areas of life then it may be necessary. Quantity doesn't always equal quality!