At 20is?
Don't just loot everything. Bias looting to low weight stackables that vendor/EC for good money. Keep hunting till your inventory is full of these. Don't be afraid to chuck less valuable items for ones that will sell for more.
Be critical with which spell upgrades you purchase; don't waste money on a spell that you will use twice before it gets upgraded.
Don't fritter away your money on ECmart. Most upgrades will give no way near the power of the spells that you are depriving yourself of. (The exception is buying a decent weapon at low levels as all classes, even wizards can melee well enough for the first dozen levels or so).
Don't vendor things that have a high turn over to players for a decent price... HQ bear pelts, LQ pelts and bone chips are worth selling to players. Spiderling silks too if you can find em quick enough. You'll also get decent money off goblin left ears and orc scalps.
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