MarkJ is right - learning a language as an adult requires you to be thick-skinned on many levels. You'll have to start psyche-ing yourself into understanding that most people here won't laugh at you when you try to speak the language when you're not local.
I used to have this huge problem as well...until one day, I just got so fed up of feeling like an idiot when I know what to say (basic stuff, that is) and just said it anyway. I found that people were even more helpful and sweet to a certain degree...and no one has laughed...yet.
As for the rest (no money, small town and such), you could start like reading, listening and watching more German/French-based media. Most people start out better in reading than they are in conversing and listening. Over time, with enough practice, you'll get better at all three.
If you have some cash to spare, check out some grammar/comprehension/vocab books and give yourself some home-schooled-styled tuition. Alternatively, there are plenty of websites online.
In my case, HB and I decided that I'd make faster progress if I went to a language school instead - the downsize to doing things at home is that you can get distracted with plenty of other things.
Oh, the whole speaking to the BF thing only works if your BF is the patient type. My HB isn't exactly patient either and I'd rather PAY someone to teach me than to put up with him shouting and going "You know what it means, just think" (Urm, duh, if I know, would I ask?) for free.
In any case, good luck!