We now have two cars that are plug in, and we can't charge both at same time!!! Can we "split" a circuit?
If your panel supports the load, a 220v circuit will be more effective for your two vehicle charging situation. It will reduce the charging time by more than fifty percent and allow you to charge in sequence rather than simultaneously. 

Outrageously expensive is a subjective concept and would have to have a reference for your level of income. You can get a quality EVSE that runs on 220v for a few hundred dollars, possibly less on the used market.

Of course, the expense of the EVSE is only a small portion of the total. A qualified electrician may charge as much or more than the cost of the unit to install a circuit. As Mr ThreePhaseEel suggests, a photo of your panel would provide additional information.

To keep your costs down, you may want to consider to install the necessary conduit and boxes yourself, drilling holes through the wall if required and installing a pull-string to facilitate wiring routing or even pull the wiring yourself. Leaving only the connections to be made will shorten the electrician's time and your costs.

Our EVs would take 44 to 48 hours to charge on a 110v circuit, yet takes fewer than 4 hours on our 10kw EVSE running on 220v. You may find you can charge less frequently than was required with a 110v circuit and also to stagger the days for the two vehicles.