Hi Toni,
Great to see you here ... In my opinion ... In order to receive, we must give. The Bible clearly teaches this. It teaches to give, and it SHALL be given back unto you.
God says he SHALL give to you, not maybe, or if, or possibly, but SHALL. Thats quite a promise.
One priniciple to receiving would be to expect to receive ... No farmer sows seeds without expecting to receive the harvest right? The very reason he sows the seeds is because he is expecting the harvest. When we give an offering, we're not obliged to give exactly 10% or give more or less, we should give by heart and give by faith. And whenever we make an offering, expect to receive
And when we give ... say to Father God ... i am expecting to receive, and speak in faith. Remember ... the difference between us and the heathens is that we should live by faith, and not by sight 
God see's the future from the beginning, we should see things by faith and be positive about our money.
We shouldn't work for money ... Money should work for us
Remember from the Garden of Eden God has given us dominion over everything. That includes finances.
My finances has starting growing and growing ever since i've become a Christian from a Hindu, we were reasonably poor if you like when we were Hindu. John 10:10
Satan wants to keep us poor. When i became Christian and beleived in Jesus, everything in my life has started working together for good.
Its like every year my finances are becoming more and more stronger and my debt is decreasing. Ever since i was young i've had a vision that i will one day be a computer networking engineer/It consultant in networking and set my families debt free.
Well, i dont know how, but im the cleverest in all my computer classes and in my networking class, and im hoping that this year i will get my proper networking job which promises a minimum of £30,000+ ... Which is around 3 times more than what my Father earns. After one more year of private studying of Cisco networking, i will be earning a minimum of £100,000 per year or basically £150 per hour for consulting company staff of networking.
I cant thank God enough that he is blessing my family ever since we became beleivers and things seem to be getting better for me and my family by the day.
I would suggest that you claim your finances and proclaim by faith you are debt free by faith. Just have faith, no matter how things look in the natural, just hand your problems and finances into Gods hand, and remember one scripture...
Seek ye FIRST the kingdom of God and HIS righteousness, and ALL these things SHALL be ADDED unto you.
Put God first and honor him, and he'll honor you too! 
God bless, and may he set your finances free. Dont forget to remember the precious blood of Jesus and bind spirits that may be hindering finances and break all curses over your family and your finances and break any inherited curses from any of your generations, you'll notice a difference in your life.
God bless you brother.