You "went overdraft by over $20" but you're "living with mom". That sounds like really low bills.
Help us feel in the blanks here...Where does your money go?
Even if you made $10 Hr, you should have $1,500 a month to throw around.
But if you insist, a lot of blanks include, rent changing whenever my income changes (section 8 housing), usually working only part-time, and paying a lot back to the US govt in self-employment taxes.
Bottom line is I am broke because I cannot hold a steady job. And that's what I need help in, getting the credibility to receive "normal" full-time job offers.
1. Read numerous hacker news comments for advice.
2. Did freelance work for cheap but targeted jobs that I could learn highly desired skills (React, webpack, etc..)
3. Built a portfolio site with freelance work examples.
4. Applied to tons of jobs and got one.
I also had to try extremely hard and live in Seattle which helps too. To be honest by the sound of your post your mind set is in a not so great place which is understandable.
Perseverance