Cut your morning devotions into your personal grooming. You would not go out to work with a dirty face. Why start the day with the face of your soul unwashed?
You are your greatest asset. Put your time effort and money into training grooming and encouraging your greatest asset.
My parents were working class folks. My dad was a bartender for most of his life my mom was a maid and a cashier and a stock clerk at WalMart. We were not people of financial means in terms of significant financial means. I always told them 'I didn't always have what I wanted. I always had what I needed.' My parents always provided that.