Prior to 46 when you MUST get a burnt wood staff (1.5-2k for a 333dmg clickie! Wizards pay that much for a crappy 20dmg or so wand), have the pet get the mob down to as low as possible before reclaiming it so you can use the lowest mana nuke you can get away with to finish it off or even melee it. There are some decent melee weapons cheap. If your pet gets the mob down to 1-5%, one hit with say a 30/40 velium brawl stick (about 1.5k) would finish it off. If you're broke, a runewood great staff is 22/40 and costs 50pp or less.
At 56 my mage can chain pull all day without ever having to med.
The first thing big thing you want to save for is jboots. They will save you from countless deaths.
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