I don't know your class but you should try to increase your regen rates (health and mana). When above 10, life is different.

For money:
- wipe dunjeons for gold and trash items to sell (need to be patient)
- wipe bosses for items to sell as auctions (need to be lucky)
- ask for gold in exchange of power leveling (run your business)
- platinum (when you've got more gold IRL)
- beg for gold (who know, could work)
- scams (not recommended)