Born April 28 1988, will I finally get my life and finances in order?

Don't give up. Things will get better in 2016. Your financial situation will be different. Next year, you will find a job. In your new job, you will have many opportunities to earn more. And your love life will be better too. If you two learn to compromise, you still have a chance to make your relationshp work. It's likely that you two might get married next year.