Stick around the town the first lvls and then go Deserted Mines on Bichon Map bottom right corner - lvl there until like lvl 16 ( you can also find your books there) - after that you will recognize gold is really hard to get in that first lvls. You can try Flea Cave, which is found on Banya Map top left corner, the gold dropp is very good and the exp aswell, you can stay there for exp around lvl 28.
You can also try to kill OmaHeros for some little kit for starting - should be easy as wizzard - maybe possible to kill at lvl 13/14