Weight is a pretty big deal. I would never go out to adventure or kill stuff more than a couple pounds over. 35 lb when your limit is 14 or even 20 is a death sentence. You'll be getting hit noticably harder than if you were under weight.
As a monk you'll need to get use to deleting money. I delete all my copper and silver basically all the time. Monks aren't the class to play if you need money or want to farm money. One way to alleviate that is to kill in zones with a bank (runny eye, high keep, overthere) or next to a zone with a bank (dreadlands, loio, nro, great divide).
Managing your weight is rough at low levels but gets much easier the higher you go.
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