We're a bit ________ at the moment so we're not thinking about holidays.

Hard up (idiom):   
English Meaning: short of money / having very little money.
Bangla Meaning: দরিদ্র / অভাবগ্রস্থ / স্বচ্ছল নয়।

Ex. Sentence: I'm too hard up to buy fancy clothes.
Bangla Meaning: দামি দামি জামা কাপড় কেনার মত টাকাপয়সা নেই আমার।

• Other options, 
Hard time - A long or difficult prison sentence.
Hard and fast - (of a rule or a distinction made) fixed and definitive.

Complete Sentence - We're a bit hard up at the moment so we're not thinking about holidays.

Source: Website lecture.