Christians tend to be tightwads and call it good stewardship. But that's not what Jesus taught.
In the parable of the talents, He made it clear that good stewardship is not saving, but multiplying.
Remember? The one who got caught saving was sternly rebuked. Then, everything that he had was given to the one multiplying.
God is not interested in how thrifty you can be. He's not helping you clip coupons and figure out everything you can get for free.
If you are focused on saving money, you are not thinking like God thinks. And that's why you are having financial difficulty.
Get your thoughts on multiplication. The best opportunity you have is to sow financial seed into the kingdom of God and trust Jesus for His promised hundredfold return in THIS life.
But don't stop there. In everything you do, be fruitful and multiply!