i keep a money charm in my wallet to attract money. it works alright, i'm not winning like 100$ in the lottery [mostly because i don't play it lol] but i pull in about 10$ in tips every day. where money spells can be seen as negative is if you cast one that could interfere with another. for example, you and another co-worker applied for a raise, so you cast a money spell to get it.
my suggestion to you is make a honey jar spell, or some other type of charm to attract money. you're most likely going to have to work for it, but it's also possible you'll find some money on the street, or in a coat pocket or something. the charm won't instantly get you the money you need, but you might wind up being offered a raise, or you start getting more tips, perhaps win a few dollars in the lottery. little here, little there, and it will add up. i suggest making a money charm, then speak with a financial adviser at your bank to see if there's something you can do to help save more.