Prosperity is more a state of mind than a state of earning money.
A prosperous person is one who believes to the depths of their soul that the Universe will provide for all their needs; therefore, they give freely knowing without fail that their cup will be refilled. Prosperity is affirming plenty - not lack (and prosperity can be other things than money: creativity, love, friends, trust, faith).
As far as money spells go - no, they don't take the place of hard work. At best they will help open up financial opportunities, but you still have to do the work - accept the offered overtime hours, accept the part-time job, say yes to mowing the neighbor's yard, still put in applications and look for jobs. They won't miracle cash into your hands as you sit on the couch playing video games.