How would you free yourself from a curse?

You gonnna take these chicken bones, you gonna hang em from a tree. You gonna wait threeee nights, and after threeee nights, you gonna take the bones down, and bury them in the sand along the shores of the coast of the low country, and build a fire. You gonna burn a lock of your hair in that fire, and when it's all burnt out, you gonna add it your bath water. Take you a bath in that water, and then apologize to the witch that cursed you.

Pay 10 gold to the local priest. Problem solved.
\ Not enough gold? Sell some old items that I've been hoarding.
\ No hoarded items? Then how the hell was I cursed on first place, if not by trying every piece of equipment in the way???

Do not try to get free of the curse, that's impossible. Instead, only try to realize the truth… there is no curse. Then you'll see that it is not the curse that affects you, it is only yourself
- idk man I've lived some odd stuff if it's not a curse then there might be someone behind it some stuff aren't just coincidence. Did you never feel something like that?

The curse can be both "real" and "only in your head". The two are not mutually exclusive.
Make peace with the curse. Make friends with the curse. Closely inspect the curse. Find out what it feels like. What it looks like. Where it feels like it is in space. Love the curse. Be mindful of the curse. Meditate on the curse.
When you no longer fear the curse even a little bit, you'll be free of it, whether the curse is real or not and whether it's in your head or not.
Footnote: Be careful. For some people, meditation can be dangerous. If in doubt, talk to a mental health professional. And know where to get help if you need it.

I find a 5th-level cleric capable of casting 3rd-level spells and pay the fee. When I learned D&D in 3.5, that cost 150 gold coins
Coins weigh 1/50th of a pound so 150 coins weighs 3 pounds (1.36kg) and costs roughly $75k USD. I don't think my healthcare covers magical means, so that's probably out of pocket. I guess I'm cursed.

I can't really be cursed to begin with. I run a zero faith build, so unless I find myself structurally cursed I'm pretty safe, and structural curses are easy to figure out at least. You either disrupt the structure or remove yourself from it.
- What do you mean "structural curses"? People deliberately acting against you?

It's been scientifically proven that the only way to eliminate a curse is to utilize a strong electromagnetic field to extract the negative spectral ions (often called cions) that comprise the curse from the pores of your skin. If the curse was inflicted to you for a long time or is especially powerful then it might have permeated your body, in which case it requires drinking a special compound of magnetic dust (to attract the cions), activated charcoal (to contain them safely), egg yolk (to hold the formulation together), and vegetable fiber (to aid in passing the result). So depending on the severity of the curse I'd do one of those options.
- Even better, smear the compound on your body: this has the side effect of making you look like a moron but the thing is, if you tried this remedy indeed you are one.