Hi Vi. I am sorry you are going through this. I know is a hard situation, but don`t give up on yourself. You are a skilled and talented artist. Talent and profit are not neccesarilly things that come together because business and art are different skills.
The good news are that, like any skill, it can be learned.
About the money situation....do you have a full time or a part time job?. If you don`t maybe searching one for a while until you stabilize financially can help.
And about commissions. The advice i can give you to selling stuff in general, is that you should know what kind of people need/want your product/service.
Here are some ideas:
1-Novel writers with novels where your art style fits. Some of them can`t draw and want some cool illustration of their OC.
2-People who want to give a gift to someone Maybe for a romantic letter?
3-People who want a design for a tatoo they are gonna get.
There can be more kind of people who needs or wants comissions, of course.
Seek the sites where you can find these people.
I will not tell you to lower your prices. But you can make "promotional packs" , for example, a "book cover pack" could be a full body character plus background. It would be like a small discount that only applies if they buy the pack. (something like 10% cheaper for the whole thing)
Wish you the best and hope you solve your money situation.