Your personal financial situation is unlikely to be interesting to people other than you, and in particular it actively hurts your ability to get the best possible deals from clients.

I would strongly suggest you not let users direct your decisions. Most people are not freelancers. Most career advice I receive from people outside IT is shockingly bad. ("Glad to hear about the business being successful, Patrick. You know, you could go back, get your MA, and then get a nice secure government job! They'd love having someone with business experience! And you'd get a pension!") The intersection of "people who are in financial difficulty" (and would be interested in reading that blog) and "people who give good career advice" is vanishingly small, partly because many people who are experiencing financial difficulty got there as a predictable results of choices which they feel committed to justify.

With regards to freelancing: first, get out of the mindset that you are providing development/design. You are solving business problems for clients. Dev/design are two things in the toolbox that help you do that. Can you earn more than $7k or so solving problems that prevent businesses from making money? Yes. Absolutely yes. The people who you need to convince to buy your services to do this are not poor and, by and large, are not actively interested in the problems of poor people. "Hey hire me because I'm poor" will not be a successful tactic with them. "Hey hire me because I have a track record of producing useful things which made rich people like yourself even richer" is much closer to the mark.