2. my salary is an average of 50k, which isnt too good considering the fact that financial commitments rise each day
this is not a very good reason, financial commitments are not linked with your pay,
your qualifications, skills, experience and market rate are. its up to you to control
those personal commitments
creative skills don't pay to be honest, you better think twice, make your creative skills you hobby
do it at home after work or during the weekend