If I could give anyone any bit of advice concerning their finances it would be to first tithe and second, to do a budget every month.
I absolutely believe, whole heartedly, 100%, that tithing rebukes the devourer.
Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it.
And I will rebuke the devourer for your sakes, and he shall not destroy the fruits of your ground; neither shall your vine cast her fruit before the time in the field, saith the Lord of hosts.
Malachi 3:10-11 King James Version (KJV)