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As a side note, I don't know that anything particularly bad happens if you don't pay your insurance mortgage on time, except that you can't get any other loans if you don't pay your mortgage.
Stack multiple jobs in the same direction so you're always carrying as close to your shuttle's capacity as possible in order to maximise income.
Use the pay extra button in the bank to pay off larger parts of the mortgage although don't pay so much that you won't have enough to keep up with the daily payments until you get another chunk of credits from a job.
EDIT: Also, missing a payment because you spent too much paying off the mortgage isn't that much of an issue, since all that will happen is the total owed will go up by the amount you would have paid in payments, which will cause your payments to rise to where they would have been if you had spent just enough not to miss any.
In between you just could use one of the captured ships for yourself as upgrade, without spending any money but getting some in selling your old ship.
I did this in my last gamerestart, those small ships get you 100k-300k each, better than every cargorun if you have a nice spot to do so.
shuttle- passenger missions and small cargo missions (it can mine asteroids too but its very slow)
star barge- cargo missions and small passengers missions ---l l---
Edit: Requires a lot of bribing and going back to auto saves though...
You want to preferably farm Pt, Gold, or Silver. Otherwise, farm Tungsten, Titanium, Neodynium, or Copper. Uranium 238 is rare to find so you likely wont find it early on. Avoid mining Iron, silicon, lead, and Aluminum if you can.
Each system can have between 0-3 types of roids. Lead roids are the most common, with silver types being the rarest. Gold varients of Copper roids are also rare but worth checking if you spot one. All minables spin around the star clockwise. Straight line moving roids are to be ignored.
How? First you might need to actually do some missions to stock up on cash to outfit your ship. Then you'll need to outfit your ship by removing unnecessary outfits (i think removing batteries for supercapacitors and removing the shield generators should be enough) and packing it full with bunk rooms, then filling it with rifles and grenades.
Then, hire crew until your ship is full, then head down southeast to the system southwest of Tarazed. This system (forgot the name) is usually packed with pirates, but also with civillians and militia. Now you need wait for pirates to be disabled from the constant fighting. Get to the edge of the system to avoid the meatgrind above the planet, and be prepared to evade pirates. If you are safe, spam B. If you are lucky, there might be a disabled pirate interceptor for you to board. Your ship will automatically move to board. Now you have another ship which you can sell!
I'd recommend this if you are bored of doing jobs, this method is way faster in getting money.