You could help small businesses set up web sites for £100-£150 a time - although a lot of people seem to know 'a friend of a friend' who is already doing this; my best advice is to stop spending - cut up your credit cards and start living within your means; great idea to use your computer skills - could you do some extra data base or computer work in the evenings for a local company - I don't know where you are based but some companies need home based staff for dealing with telephone orders/ bookings etc.

Hope this helps