Great question! First, believe with all your heart, mind and body to accept through the gift of faith by our Heavenly Father that you are a son of the God of Love, and act as a child of the most Perfect Being. Then, must you do as Jesus did: take time during your day, to privately TALK with our Father - telling him your challenges, although he already knows(!)except this teaches us to be humble.before God as we ask him for help.
While our prayers are only answered according to the levels of spiritual insight we have and the benefit to us spiritually. We must not wait for material "gifts" to fall out of the sky from God, although! Someone in your community might be inspired to drop by with help.
Above all, when you pray, after you have exhausted ALL possible solutions to your problems, you MUST have FAITH, living faith, that your prayer WILL be heard and an answer considered for how you will best grow spiritually during your daily challenges.
Here is the way Jesus used prayer to obtain unbroken communion with the spirit of the Father of love that now indwells our minds as first a thought changer, then a thought adjuster and finally a thought controller, thus does this Mystery Monitor (the Spirit of God) ever guide us into the eternal family of God.
And you my son have already personally recognised the truth in this declaration in the 5th Epochal Revelation Papers.
We all in our quest for God should understand the meaning of both autorevelation or evolutionary revelation and periodically Epochal Revelation of which the Urantia Papers is the 5th Jesus was the 4th Epochal Revelation. And since Epochal revelation always clarifies the Epochal Revelations of past ages the 5th Epochal Revelation has restored the Life and teachings of Jesus to those living in this day and generation.
Godspeed on the journey of Love,
Paul
Well. Well. Welcome lady monica