You are not alone in this struggle for money. I talk to people almost daily about this very topic.
I will start by saying that you should very seriously look at the Internet for income. That is not to say that it is easy, it's not. But it is not difficult either.
As with anything it takes time to build a business. With the Internet it could take you several months to become an "overnight success".
First you need something to sell.
I know that sounds stupid, and your probably thinking what can I sell?
I feel that you would be surprised at what you may have locked away in your head. Knowledge is the biggest seller online these days. That stands to reason because the Internet is a place for information transfer.
To cut straight to the chase you can write a simple How-To E-book and then promote and sell it online. You can actually do this with very little expense.
Then as you gain more income and have some spending money you can then expand to a better website.
The key here is INFORMATION. As with anything it needs to be good but it only needs to provide what you promise your potential reader.
If you think you are capable of or knowledgeable enough about anything ot make money from it, THINK AGAIN...
You only need to know more than the person you are teaching.
If you would like some help in this area I would be glad to assist. You may email me firstname.lastname@example.org
In fact I am working on a Brain Jogger at the moment to help people find a niche that they can work in.