If you feel your well being (possibly being homeless) is at risk I would suggest getting a (gulp) job. At the same time work on your online biz. I want to give more exact advice, but not knowing what you're particularly interested in, good at, etc makes it a bit difficult to do so.

I've never taken the 30 day challenge as some others are suggesting, but it could be a good start. I'm not sure how much funds you have to spare but getting some good one on one coaching or group coaching may be exactly what you can use to kick start your success.

Also if you see someone new, well new as in wanting to coaching, you can probably get in on a low if not free rate in exchange for feedback and a testimony.

Just know you have options and sadly know this, IM is not the solution in many cases when it comes to needing immediate cash (as a newbie). Now, don't take this to mean you should give up, you shouldn't.

Stay focused, stay positive, and know that Rome wasn't built in a day (success doesn't happen over night). Always be making a conscious effort to move one step, even if its a small one, closer to your goal(s).