Well congrats on purchasing one of the coolest animals on the planet! I'll be the guy who gives you the positive reinforcement I understand how difficult it can be to gather the necessary equipment to keep a chameleon simply because their requirements are so unique. Also because between bills and student loans, i find myself to be short on cash as well. That being said, you really do need to segregate the frog from the cham. If your enclosure is tall enough, you can try creating a "false" bottom. with a strong enough mesh, you can create a horizontal surface halfway (maybe not halfway, be sure your cham gets as much of a vertical temperature gradient as possible) up the cage. This way the mesh will separate the frog and cham, and the water will drip past the mesh into the frog's dish and the you wont have to worry about your cham drowning. Just a thought. Again, Congrats!