The phase of the moon is to help keep track of time, organize your life by assigning phases of life to phases of the moon, keeping in touch with the flow of nature and yes, adding power to your spells. It helps you to think ahead to prepare and focus but it shouldn't be thought of as a hindrance just because the phase isn't correct. If you must, for peace of mind, change your spell from gaining money to reducing money problems to match the phase of the moon. Its nice when you can line up the phase of the moon every time but it doesn't always work out in desperate times. Just remember that the moon is always on your side and her power is always there for you to utilize no matter what phase it is in. Blessings to you and your situation.