Hey OP.
Most years I'm lucky enought to just about afford a week in the sun, but some years I've not been able to, so I completely understand your frustration, upset and envy.
I've actually a friend who so far since January has been to a 5-star Mexican holiday for 2 weeks, then a couple of weeks later a week in Las Vegas, a long weekend in Europe on a city break and 2 weeks sailing in the Med! I'm chuffed for her, but insanely Jealous! 
Couple of things I can recommend to you that I've done to afford a holiday.
You can book as far ahead as 18-24 months. Depending on travel agent and destination. We booked a week in Menorca 10 months in advance. With Thomas Cook, paid a small deposit and paid the rest in interest free installments by direct debit, payments went out on my pay day. If you can wait longer for a holiday, the monthly payments will be less.
Another thing I've done lots is look on Skyscanner. There's an option to put your departure airport and in destination you type "anywhere". See where comes out the cheapest. The price drives the destination quite frankly!
I then explore flight times and play about with different departure airports to see what prices are. If you select a month instead of a date, you can view which days are cheapest to fly.
Then I use Booking.com, Trivago and Airbnb to find a place to stay. Booking.com has the option to pay on arrival and Airbnb the option to pay a deposit and the rest of balance just before.
This year, we didn't think we'd be able to afford a holiday. But at the weekend, for me and DP, I found Portugal flights on Skyscanner for £20 each way and then Airbnb private room and bathroom in a shared villa (with pool) for just over £200, great reviews and next to a bustling resort.
We are only going for 5 nights, as 7 nights pushed the flight prices right up, but we figure it's a week if work with the real chance of sun.
If you want me to help you find something, or give any advice. PM me.
Hope you get a break. 