You are not in proper condition to work online if it's a first time thing. You need to get a real job like 99% of the world and get back on top of things. Then and only then, once you have money to plan with, you try the online thing.
Internet Marketing isn't like a life line, it's like a promotion or upgrade. You get financially stable then you start. There is too much on the line for you right now.
You wouldn't know when enough is enough if it smacked you in the face (that's a joke), and the sad part is, it has. Internet Marketing has already proved to your its unreliability, and you need to respect that. Get a job, work back your money, and try again.
Hope I helped a bit.