Limitations like settle expenses are a real hurdle but I don't think that is what you should be focusing on right now as a limitation. You should be focusing on what you're trying to do to break yourself through from your current lifestyle to the one you want to be in , like for example you're learning a skill and you think that skill when fully establish can give you the lifestyle you want, now what is hindering that skill to not be where it is supposed to be that it will generate money to sort your bill of rent and other living essentials