When you work for 100 units worth, your returns are only that of 95 units. So there is hardly any chances of any improvement in finance. Your 4th and 9th houses are very weak. That could be the reasons for your problems. For more details you can go through my blog navagrahastro.blogspot.in
To improve your horoscope you can use relocation astrology to find out the place where you should relocate to improve your overall situation.