If you are the right class for it, you can sit in Karnor's Castle and collect rotting Jarsath armor. Most pieces aren't that great, but it's better than being naked and it's free. If you can manage to get Jarsath legs/wrists and Supple Scale Armbands, you're up 15wis and some mana just with those. And some decent AC to boot.
I didn't catch what race you are, so it might not work for you. That's what i did with my high elf cleric though. Then just put your money in jewelry.
Chris
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