What are you doing to get money?
If you focussed on beeing a fighter (+4 to combat through starting-background) then first go to the gym in suburbs to get the trait "fitness" until there is written "no more gym needed", that gives you +15 to healthpoints. Meeting males at the nightclub in downtown and having sex (analsex) with them is a fast way to get the trait "analqueen" which gives another +6 to healthpoints. You can delete the contacts later if they get on your nerves.
After that go to the harbour into the dark alley and "look for trouble", besides meeting prostitutes there you will meet also enemies there which you can beat up, they will give you a lot of money and stuff.
Your combat-rating is climbing up too by doing this, you can get +10 to healthpoints, +3 to combat and the skills "Jugular", "Deep breath" and "Money of life" at your peek of combat-progress.
Going to the gym will also trigger a dialogue after some time training there. You will be told about the underground-fighting-ring which will be open after 19:00 at the evening, you can raise your combat-skill for money there, giving you another +2 to your combat-skill.
You can probably beat 3 to 5 enemies in a row when all is maxed out, perhaps only 1 or so at the begin of the game.
Even without +4 to combat through starting-background it is a nice way to get money quick, perhaps when you play as slut instead with max charm.
When you play as a slut with +4 to charm from background, then you can also go to the strip-club in suburbs and start dancing there, sometimes you will get the chance to get fucked by customers which pays extra and has a chance to raise the analqueen-trait too without the need to add contacts early.