Asalam Alaykum sister:
I can relate to your feelings of loss of motivation, it is something that has plagued me over the past years. Finding Islam and becoming a Muslim has brought purpose to my life. It hasn't miraculously solved all my problems but it certainly has lifted my spirits and moved me towards a better future.
For most of my life I worked in a call center, in a variety of roles, from telemarketing, computer technical support, both hardware and software, and customer service. The computer support I didn't mind but its a fast changing field with so many centers moving 'off shore' its hard to get work in it now. But one thing I have found is it really makes me bitter and negative, to the point I just couldn't stand being around people. I realized I needed to get out of that field and into something else.
Like you I don't have funds to pay for tons of schooling, nor am I sure what areas of study I want to get. What I do know, is I don't want to do call center work. In fact, I will be happy to be as far away from a phone as possible. Online work, however, I wouldn't mind but not too many jobs focus on strictly internet interaction.
My advice, since funds are low, check with the unemployment/employment centers in your area. I don't know what the UK has to offer for non citizens, but here in Canada, there are many free courses available to help immigrants and new comers into Canada to get settled and into jobs. May not be high paying jobs but its a start. There may also be government funded courses available as well, which will cover any schooling and sometimes even living expenses so you can take a course that will help you find a rewarding career. Early Childhood Education may be one area, or even Daycare, if you enjoy being around children. Its also an area that is acceptable for Muslim women too, especially if work in a all girls school. Ask around and check the UK government websites for courses and other programs which you can take. Some companies may also provide online courses to their employees too, which could improve your education and may even count towards an actual university/college degree.
Don't forget to ask Allah for help as well, to keep you steadfast and provide the drive you need to better yourself.