Take care of yourself (self-improvement) and the rest generally takes care of itself. This approach has worked well for me.
When I was young we had a small net worth
Just enough gas to get us to church
It's no secret what you can't afford
when you're wearing handmedowns from the kids next door
Everything is so expensive
We can't stop now because we got all these bills and
People gettin mad and they startin to shout
But if we burn it all down we gotta pay to put it out!
Oh you know it ain't fair