If job credentials relied on personality alone you could do owt mate, plus you'd be a millionaire already!! But alas they don't.... I'm in the same position, in as much as I've got fuck all on paper, and would LOVE to be either earning or on track to earn a decent living.

At the end of the day you need to find something you enjoy, whatever that may be, and then you'll thrive. Money ain't everything fella, happiness is!