If you need to work at singing, does that mean you have no talent?

Not necessarily...I guess you already have the talent and you're just enhancing or developing it in a proper way. So just keep going...anyway you're older than me and like you I also sing in choir sometimes I even join a singing contest and win...but I can't financially afford singing lessons because it's too expensive here. Better yet, I'll earn money to study Conservatory of Music.