bodkin arrows.
There's your problem right there. Multiple stacks of bodkins results in quickly loosing money unless you can maintain a good multiplier (x4 or x5).
I always try to take arrows according to how long I'm surviving on that day.
Short lives or low multi - I take 1 or 2 stacks of tatar arrows
Medium lives or multi - I take 2 stacks of tatar or 1 stack bodkins and 1 stack tatar
Long lives or high multi - I take 2 stacks of bodkins
With this I pretty much stay even on upkeep to pay (a very slow gold gain)