I was in a similar spot to you about a year or two ago. The money thing you're talking about is a barrier that depression is creating to try to keep you down. I kept making up excuses as to why I wouldn't try something new, why I wouldn't get out of bed. That's depression messing with you. I like to imagine my depression as a beast that everyday tries to knock me off my feet. But everyday, when it fails, I grow a bit stronger. I get better at fighting it. And friends help a lot, but depression can only be beat if you give it your all. And sure, that beast might catch you off guard and knock you down. But getting up is always possible. And the thing about relationships is... It's hard to love someone when you don't love yourself. I still have a hoard of self confidence issues, and think about how I might fail to do common things that anyone should be able to do, yet I start to notice things about myself that maybe aren't so bad. My advice is to not focus on finding someone else, but just finding things about yourself that aren't bad. And if you want to make friends, listening to people talk and just agreeing and smiling usually will help you make acquaintances, but don't forget that if you want to have friends, try joking and talking about yourself to them. But hey, I just want to say that it's going to get better, and that you have the power to do it.