While I appreciate not everyone is rolling around in cash just do a few odd jobs for payment or work one extra shift and you've earned yourself the extra needed.
If even that is not enough and you are so short of money then I might suggest spending more time on chess is not the best use of your time
sometimes it's hilarious, sometimes it's just sad.
https://www.chess.com/forum/view/general/can-i-have-any-membership-please
https://www.chess.com/forum/view/general/i-need-someone-to-give-me-a-gold-membership-who-can-give-me-one
https://www.chess.com/forum/view/general/will-anyone-gift-me-a-membership
https://www.chess.com/forum/view/general/can-someone-gift-me-a-membership
https://www.chess.com/forum/view/chess-equipment/can-someone-buy-me-premium
https://www.chess.com/forum/view/community/community-can-anyone-donate-me-a-membership-please
https://www.chess.com/forum/view/help-support/gold-status
https://www.chess.com/forum/view/general/hho-can-give-me-status