Getting frustrated with the money I make

[Focused]

I seem to be a subsistance poker player. Every month I make my profit and it goes on rent, bills, car etc. I don't seem to be getting ahead. I'm not able to move up in money level and so increase my profits.
I was wondering are there other people like me and how they have managed. I can't/don't want to get credit. I play $10/$20 sng's and feel my game is upto moving up but don't want to bust my bankroll as it's my living money.
I was also wondering if money games would be more profitable. I am proud of making a living from poker, but at the moment it's a small one and it's irritating reading articles about other guys making a very (comforatble) living. Cheers.