As you mentioned spells are expensive so def save for those and make sure you have enough cash at 14 to buy all of the spells that you want.
http://wiki.project1999.com/Wraith_Bone_Hammer
is a good 1hb. You should be meleeing still for several levels. My druid is 20 and I still melee with this hammer. It's cheap and has some stats.
At 14 you can solo the sisters camp in lfay (given that it is open, it is a very popular camp) the 4 sisters there are great exp and frequently drop bronze weapons that you can sell to nearby merchants for great cash.