Hi and
I started this time at 128 and, like you , had tried and failed at a lot of different diets. I'm sorry money is tight right now, but I believe that you can make the choice to get and be healthy on any budget!
I also suggest calorie counting, its so simple. That was a big help for me - no program, ratios, or special requirements to worry about. I just have a calorie budget each day (based on my RMR - you can find calculators for that online) and try to make healthy choices in spending my "budget". So far, I've had very good success. Granted, there have been bumps, but I've been able to avoid saying "I failed" and giving up. If I go over one day, I can adjust to compensate.
Anyway, I rambled on a bit. Just wanted to say good luck! Hope to see you around here often!