money management

If one purpose in this life time is to learn to manage creative energy, then surely it must start with the concrete variety....money. It seems sensible if I am to be successful at this task that I review the habits I have which are generic for most of us and in doing so find some solutions that will see me making progress.
First a basic hypothesis: Creative energy by its nature must be something that already exists and is either transferred into something else or causes a change in something producing a resulting experience.
I believe the common human problem is to want first which creates the empty space, rather than generate the creative energy first then work out what to create with it. This negative system is a major issue to our unhappiness. I believe it was Buddha who said that cause of all human suffering is desire. (correct me if I am wrong). So, what exactly does this all mean? Well it basically means, generating creative energy without attributing it to something. If we were talking about money then that would mean taking all money earnt, doing nothing with it all week except actively appreciating it. Then at the end of the week, seeing it as creative energy decide what is the best way for a return on investment as energy to generate more creative energy...but not necessarily more concrete energy, but rather etheric or emotional creative energy.
It is interesting how I hear my lower mind scream out "but wait there are all those bills and expenses that I have and therefore I never have any money to spend" But here is where I would like to step up to the plate and counter that idea. How many decisions do I make in a week that involve the expenditure of money that was not planned for. Could be as simple as purchasing a bottle of water, or a snack. How about those movie tickets, or that thing on trademe that is soooooo cheap. The list goes on. I believe this is the culprit. My next post will be a proposed expenditure diet. A planned spending detox.