I honestly hate saying this but if you are that close not being able for Dish you really need to cut back. Maybe basic cable until your situation stabilizes. Or even free over the air TV.I'm too poor to pay an EFT, so I'm sticking in out-- and have issues several times a month, it seems like.
I have a very close friend who dropped a pretty fancy cable plan and got an amplified antenna from Walmart and just lives with what he gets free over the air. And since he had to replace his TV a couple of years ago he had small but none the less real HDTV that he had never been able to afford HD cable for. Now he is continuely amazed at the picture quality.
The apartment building dish problem is a tough sitiuation but not Dishes fault. That is why I couldn't even help my buddy get Dish. The local dealer called it a difficult installation and wanted a bunch of money to install the equipment. That added to his bad credit scores and it was more cash out to just get started than we both agreed it was worth.
Bite the bullet and go to cable. Dish will be there when things pick up for you.