At level 5, buying spells feels impossible. That doesn't really ease up until level 30. It's only after level 30 that you start to actually earn enough money to buy your spells and buy some gear.
As everyone will say, focus on leveling. There are ways to earn a little extra plat in the teens and 20s by selecting your leveling areas, but the plat you earn per hour increases exponentially at higher levels.
If you guys stick it through the many months grind to actually hit 60 on the shaman, and you haven't found a way to get torpor yet, then I'm sure you'll be able to farm the hours it takes to get Torpor. There's lots of cash camps a 60 shaman/monk duo can do without torpor.
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