Welcome!
Clerics make money like anybody else. Collect bone chips early on, later maybe lightstones or some other stuff... there are a lot of threads about this, search them.
Gear for a cleric is not *that* important. You will want wisdom gear and hit points won't hurt either. But even a naked cleric is very usefull for a group. If you want to solo, you might want a decent weapon in the early levels. Later it's just undead nuking, that's really the only option for a solo cleric. But you shouldn't have problems finding groups, at all levels past 5.
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