It seems that more than anything a person has to have dedication and yes, it affects the entire family life style.
If no finances are available currently to buy a practice organ/keyboard, such person can apply silent practice, table/floor practice, mental practice without instrument with or without the score. One can even succeed in finding a church organ nearby for practice.
It's all about mentality and attitude. What the mind can envision - the body can produce. Therefore, it's really possible to hear the notes being played on the table or on the floor.
Also, it's possible to practice early in the morning, later in the evening when the family is asleep. You can even practice during TV commercials while watching a movie or a show. Perhaps practicing longer on the weekends will also be a good possibility.
We need not only a better time management but also task management as well to do the things that matter most first and more efficiently.
After a few years, if the motivation to practice continues, one can even save up the money to buy a small practice organ, or electronic or virtual organ with a full range pedalboard.
It's like saving money for the car. At first it seems like a big deal but little by little your money-box begins to fill up. The vision is the most important thing. It lets you believe that in the end your efforts will be successful.
By the way, do you want to learn my special powerful techniques which help me to master any piece of organ music up to 10 times faster? If so, download my video Organ Practice Guide.