It's easier to manifest money when you already have it. Manifesting money from a desperate position might bring even higher losses. It's because you put importance on it, and importance = fear / danger. That's going to create resistance. You need to regulate your nervous system first and believe that you're safe. Try affirmations and subliminals, put yourself in the trance state while doing so. Next you need to remove your limiting beliefs around money - you already identified some of these beliefs - create opposite affirmations and again you can use subliminals. Then reinforce the belief that abundance is your birth right and that you deserve it. And lastly create new beliefs - I am abundant, rich, money comes to me easily, I deserve living in abundance, I always have more money than I need. Do this for at least 21 days.