It's tough, but don't let circumstances get in the way of living the life you want. See if you can find some additional seasonal work that would bring in extra money. I know a ton of places around here are hiring.
It doesn't sound like you want to stay with your boyfriend in the long term, so I honestly wouldn't worry about ever coming out to him. Just save up some money, see if you can connect with some other trans folks in the mean time. You may luck out and find someone in a similar situation that you could consider rooming with. Save as much of your paychecks as you can, and work towards the goal of having enough to get another place to stay. It doesn't sound like you're happy where you are, and your life is basically on hold until you can leave.