Well, the country and even sub-jurisdiction (like city, depending on country) is very relevant though, as this problem you're having is one where the best solutions are very local.
Most things you can do is get help from the community you live in, and without knowing the community, advice is too general and probably not very helpful.
You should look for local help and ask people there what to do.
Why are you going broke though? Why can the solution not be "do not let yourself go broke"?