If your money is heading to zero, it means what you have are all shit coins which means you need to be careful on the type of coin you invest in.
I would advise you to pause, take your time to study the coin you intend investing in. Even by so doing, you might have the opportunity of finding better ones. So avoid being in haste and do your research.
You can also sell all those shit coins you think you have and get better ones, if it is not too late.