Since you are running a stock tire size on your Jeep, you could buy the extended fender flares, then run some extended skirt down over the the top of the wheel wells. Blocking off the top of the top of the tire down to the rim will help to mildly reduce the drag coming out from the tires. Also look at building some forward air deflectors. You can easily fill in some of the gaps on the jeep without limiting the off-road capabilities.
The better question should be, what/where/how are you driving? If you climb up and down back roads in a jeep with a 3spd automatic, you really can't do much to improve fuel economy. Most of the fuel is spent accelerating or braking (wasted energy). Now if you have a considerable amount of highway to get to those back roads, the aeromods could help considerably.
But all said and done, if you can't afford the fuel in the 02 jeep, I would swap to a different vehicle with more gears. Even a Subaru Automatic would wipe the floor with the Jeep mileage you're getting now. I have a 01 Outback and my worst tank ever was 17.7mpg in winter. I don't know of a 6 cylinder jeep manual that could touch 17.7 in the summer.
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