By magical solutions, I mean hitting the lottery or the local casino for a big score. These are opposed to workable solutions which involve getting a job or landing a contract that enables you to pay off your debts.
First of all, if you have financial problems, they probably started when you first began spending more than you were taking in as wages or other compensation. Something in your personality allowed you to continue in this direction with the hope that something would work out somehow and let you catch up with your obligations.
You can try all you want to change this pattern, but nothing is going to change until you recognize this is a spiritual problem. I work with clients every week who are great people, but they are still struggling financially until they spot the spiritual trap they are in and actually handle the specific cause of their financial difficulties.
I am not going to bore you with the details, but there is a spiritual difference between (A) the person who cannot make friends and has trouble getting hired or making sales and (B) the person who makes friends easily and makes money.
If you are in Category (A) and want to be in category (B), you need spiritual help that actually deals with the trap you are in. Chanting and prayers will take your attention off your problems, but will not solve them.