First I'd like to say how envious I am that you have less than 40K miles!!! But despite that, I'd change the t-stat to a 180. This is hands down a must. They run for $10-12 so it'* worth it.
Since $$ is tight you could gut the airbox, run more tubes into it to increase the amount of air and get a K&N replacement filter (will prob. run you $65-75 though) Cost me $72.
You can be creative with this part.
Taylor 8mm spark plug wires from http://www.angryducktofuracing.com
are only $50 and are worth the $$. Just got my own.
Another free mod is to remove the MAF screen. Techinfo has directions I think. This has helped people out, but some have had disadvantages. As long as you don't damage it you could put it back in if it doesn't help.
Good luck and welcome to the forum. I love Bonnes too. 22 and will own one till I die.