gr00grams wrote...
Okay, I'm here to help.
There are things to know, that save you a lot of coin.
I just finished a game on insanity with well over 100k left, and absolutely every single upgrade in the game.
EDIT NOTE* Starting the game in higher difficulties reduces the amount completion bonuses/ME1 save bonuses give. If you already have your insanity achievement etc, always start on casual, then jack it up as soon as the game actually starts.
1. Never buy fuel unless you have to.
2. Never buy probes unless you have to.
3. Don't EVER buy the hacking duration upgrades. Every hack can easily be completed in time.
4. Don't mess up hacking, it lowers the amount of credits you get. i.e. If it says 3000, and you hit a wrong thing, it goes down. Simply quicksave before hacking. THIS ONES IMPORTANT.
5. Don't buy fish, or at least until you can get Kelly to make sure they dont die.
6. If you do every quest etc, you will have more than enough money to buy everything, sans hacking durations, which are useless.
7. EVERY shop, can have a discount. If you don't have it, don't buy from that shop till you get it. It knocks off about 10-15k per item in every shop. 90k biotic upgrades to 75k. Weapons to 50k.
Lastly, Don't immediately buy the upgrades you see. Many, if not most, can be obtained in missions and sidequests, and will actually disappear if you buy them. The shops ones seem to 'scale up' too if you buy them later so they aren't obsolete.
Following these simple steps ensures you have enough to always buy everything.
Also, if you can, import a rich ME character. Starting with 350k helps a lot too 
Cheers,
I know you are trying to help, but numerous times in this thread I have already stated I have done EVERYTHING humanly possible (short of cheating) to save money. I have done all you listed and MUCH MORE. And no, your #6 is definitely not correct. Even with an imported level 60 character starting with 150k credit you will NOT have enough to fully upgrade even if you do everything. That is a fact. The only way to get enough is to import a level 60 character while you have the Long Service Medal achievement which lets you begin with 350k. Otherwise, even if you play the game PERFECTLY, the universe will magically run out of cash on you. And expecting people to play perfect is already absurd. Even if they do everything right you still won't have enough. That, is also a fact.