Money spells won't give you something for nothing, instead they are, as you say, a way of boosting your chances of coming across money.
The majority of people, myself included will always say that you need to be trying mundane means alongside the spell, money won't come through your letter box for no reason, but you could work towards a promotion at work, or try to get your dream job and the spell gives you a little extra boost.
It isn't like the Law of Equivalent Exchange. Money spells indeed are like charms that may lead you into that path of success. But the entire process is like The 1st Law of Thermodynamics. The law will tell you more about energy but to how the system works, "The Results" will depend more on what you do. You have to give your very best effort.