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you dont seem to get it, when i placed the bakerys first its because i had money, when i placed the wheat farm first.... my money would take a hit for a perpetual amount of time before it amounted to 300 to afford the bakery most the time it would get to 250ish then all my costs would hit and take me into the negative... so if i placed the bakery first in anticipation of this happening in early game waiting for my 100 gold was not an issue if i already had the bakery and mill placed and my moneys dropped to negatives....
income should be good before you build your church. like others have said trade is a valid strat early game, polished stone, planks (perhaps berries if you are good on them).
what i would like to add is buy 20 bread during this time, open the 2nd trade route before building your church. this way you can sell wool after you build your church and unlock the sheep farm, this helps me afford the weaver, mill and bakery (of course stop trading wool away when you do get your clothes production going). depending on your pop you could even sell some clothes once you make them, since you can't trade a lot of them away you might still have enough for your viligers, while also getting a 100 gold per week bump from the trade. its true selling to villagers is best in most cases, but trading it away is better than just having it collect dust in storage.
after buying the 20 bread just keep buying up to 5, the mission for 5 bread is actually the cheapest of them with a cost of 50 (unless you go for early fisherman huts while not selling fish to your people yet)
its also possible to build a "lords manor" out of just a treasury and a door, which means its cheap but does allow you to stock up some more gold before building the church. the maintenance is still a thing though, so building too much treasuries makes it hard to fill your coffers up again. i'm still experimenting with this myself.
btw, guys... the topic is early game money. once you have clothes and bread going you have entered mid-game imho. money shouldn't be an issue at that point anymore anyway. big lords manors, tax offices and all that stuff really isn't early game, and if early game is done well there is absolutely no reason to wait with building your church until you have higher pops. this question/topic is basically about surviving the churches maintenance cost and how to easily get into bread/clothes quickly after you build the church
edit------
might be worth mentioning building maintenance is per day, while upkeep and income in the budget window are per week. if you want to work out if you can support the churches maintenance you need to keep in mind that you need to multiply the maintenance by 7 to know by how much it will increase your upkeep cost. i.e: if the church you are about to build has a maintenance cost of 35 your income should be at least a stable 245.