Hi Nigel,
That is definitely a belief that you need to ditch!
Even though I don't know you I know you're Not a loser.
Consider this: you've moved to a foreign country - that takes courage.
Also; you've found your way to this blog-site which is dedicated to Personal Development. No matter at what stage of that you're at you're on the upward path..you've decided to improve your life...therefore you cannot be a loser!
I think examining your core beliefs is a good place to start. I would recommend a good book by T. Harv Eker entitled 'Secrets of the Millionaire Mind..Think Rich to Get Rich'. It's full of practical ideas about how to change your money 'blueprint' as Harv describes it. I find his tone a little blunt but it's a book about getting rich and is very effective I think. I doubled my income in less than a year after reading it!
Re. finding money: when you find any money, no matter how small, say aloud: "I am a money magnet!! Thank you Universe" and you'll start finding money often.
(That's another Harv tip).
Best of luck with everything and never give up hope! You can always turn things around for the best.
DLH