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Also sell some items you earnd from quests if you haven't already. The money is for the time being more useful than their effect.
not enough Rum/coffee or not enough people.
if there is enough Rum/coffee, build and upgrade houses and you will shortly get an positive income.
if there are enough upgradet houses and you run out of rum/coffee build new farms
If you don't have access to ship of the line , that does mean you are at the beginning of the game.^^
So you may try to sell all the goods that you may have after some carnavals into yours islands :
cigars, champagne ..etc.;
If you are playing with some AI one star : keep your money to buy one share of their main island !!! after try to buy all the share excpte ONE!
It is the best system to win a lot of money...
One thing too ..it is time to relocalete all yours production buildings on an island near your main, (with petrol if possible to get electricity and boost all the production by 2 !! and more if you got the good item to put in a confederation ..)
idem for the food production on an other island to try to keep your main island the more clean possible to attract touritsts!! ^^ the more tourists came, the more you won money..
After some time , you 're will see that money is not really a trouble but get influence points begin a nightmare ...^^
I am playing on a game with a level profil of 63 and soon 64 .. I know what i said.
Ha! I have made a mistake .. you don't have the ship of line so don't have access to the electricity if i remember...