Welcome to the club dude... I have you beat.
My car payment was due 8 days ago. My $450 rent is due on Monday, and I have $10.41 to my name.
Things could be worse.
Slow your roll, sit back, kill the TV, close blogs/myspace/friendster/aim, and shut the tunes off. Sit there for hours if you must, and think...
I've been living like this for years, and I'm getting smarter every day, but I still don't make much on the net.
You said you're in the UK, right? Idk shit about what you guys have there, but hit me up on AIM or any of the shit in my sig and I'll tell you how you can make a few hundred bux a month with pretty much zero cost... Kinda blackhat, and waiting for networks to cut checks fucking blows when you don't have money... But if you have a few hundred dollar check on it's way, at least you know you have something coming to you.
Also, 18 months is a long time dude.
Myspace was created, up and running, and VERY fucking profitable in less than 18 months
You just need to clear your head, get a good idea, and roll with it... I have spent the last 3 years trying to figure shit out, and I am just now realizing that I have to create a second mentality to make shit happen online. Once you get that mentality past its infancy, you can merge it with your own.
A prime example of this:
I was talking to my chick yesterday, and she was complaining about one of her sluttier friends... Instead of thinking about sluts, or picturing her friend naked, or anything else, I instantly said "Babe, ask Lauren if she wants to make some money online... She doesn't have to get naked, but I can help her, and she'll make me money too."
I see a hot girl, instead of figuring out how to get in her pants, I think of all the ways I could make bank with her, how I could market her, how I could "brand" her...
Hit me up and I'll give you a few tips