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Can you just coop on someone else's map if you need more money?
Manual loading of loads also helps, 150 credits to auto load doesn't sound much but after a while it soon eats into your balance. Especially in the early game as money is harder to get in Michigan (assuming you complete the maps in order).
I play a little bit on "role-play" side of things without excessively buying trucks and mostly stick to regional (US/RUS) vehicles, selling ones I do not like or use, salvaging fuel (sometimes there's a plenty, I think I had 3-4 full fuel semies parked next to garage after completing Alaska) and so forth. Though if you do logs you HAVE to waste 14k per region to buy long log trailer, that's for sure =)
All in all, after just completing Wisconsin (going in default region order) I sit on ~1,6m in cash at the moment. And that is my very first playthrough, with mistakes and various "OMG I should have known that before" moments.
Playing multiplayer can definitely be a booster as every player involved gets full mission reward (with exception for challenges).
To conclude: if you play just a little smart it's really difficult to run out of cash. But HM teachs you to be a bit creative =)
ps: if chaotic active hours do not scary you, feel free to ping for HM multiplayer ^.^
lol you're in for it.
Go for it. It's well worth it despite some game engine shortcoming (frustrating at time for sure). And it's only hard,not nightmare or insane mode =)