Your art is so pretty!! I love your style and your coloring too! You don't need a lot of shading to make something look cool, and I think your style is awesome =)
I always though of lines being a pain in the butt too, but now I use Adobe Illustrator, which makes it easy and fast to do lines, plus you get beautiful lineart! *__*
For help on coloring, it depends on what program you use, but there are maaaaany great tutorials on DA =D
http://browse.deviantart.com/resources/tutorials/
I'm gonna watch you, I'm sas-chan. And if you need any help, or have any questions, don't hesitate to ask ne? n__n
I'd also help you with your money situation by commissioning you, but I'm in a bad money situation too right now x__X;