Don't lose the forest for the trees :) You seem to be more interested in seeing where my money goes, but getting out of the part-time freelance rut and getting hired to work full-time at an office is the goal here.
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.
Do you have a portfolio site? I had a 5 year hiatus from dev work and got a high paying software job within a year of trying.
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.
If what you say it's true and after years in your situation you are still so broke, chances are that you'll be broke even with a full time job. So maybe it's not just your career that needs changing.
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.