I also noticed that shopping and Inn may not be needed prioritising at times. I went to the Inn to rest up and then went to the shop to buy some decent gear, only when starting to explore I found even better armour for Aika and Bellena got me a free stay at the Inn.
If I knew I'd be getting better stuff for free, I'd save money.
You could always start over again, lol, but it's more fun to find it that way through the game and just continue it.
I remember when playing Sword of Vermilion there's an NPC who gave us a dungeon key to get to some dungeon which we can sell it for money.
After selling it we just need to go back to talk to him and he'll give us the key again.
We can sell it again and repeat the process as much as we want.
While it's useful to gain more money, I just stopped doing it after four times and just move on with the game since it's more fun to get money from the normal way.
