Will a man rob God? Yet you rob me. But you ask, how do we rob you? In tithes and offerings. You are under a curse-the whole nation of you-because you are robbing me.
I realized the reason why it's hard for people to pay off their bills or be financially stable is because of their standing with the Lord. If you are in a relationship with God, you won't rob Him. Instead you would bring your first fruits to Him. It takes discipline.
And not only so, but we glory in tribulations also: knowing that tribulation worketh patience; And patience, experience; and experience, hope: And hope maketh not ashamed; because the love of God is shed abroad in our hearts by the Holy Ghost which is given unto us. (Romans 5:3-5 NIV)
We would be financially stable when we put our hearts in His. We would not be ashamed of how we mishandled money but rejoice because He has shown us the best way to handle our finances. Loving Him and paying Him reverence first and foremost and everything else will line up fantastically.