The best advice I can give is to be happy and lighthearted, no matter what. Imagine paying the bills even if you really can't. Imagine buying things. Be happy about THAT. Play money games. Do the 68 seconds.
The reason it's not working is because you're struggling against it, despite going after your dream what you wrote here really demonstrate that you're not having fun and attached to the outcome. As well, you want your life to change with loa but the way you're going about it is nailing you where you are.
A lot of people preach that you still have to take action when manifesting but that isn't true, and really kills your intended desire. What you actually need to do is dive deep into how you want to feel and get in touch with the essence of your desire, and then do things to cultivate those feelings. When you do that you're practicing a new vibe that gives you what you want, where what your doing action wise now is practicing a resistant vibe that keeps you where you are.
Take a break and start having fun, money loves an open and lighthearted person! I can go on for a while but these are some staples you can get started with. I hope it helps!