[Heavydrop]

Sounds like you're going about things the right way to start it off.
CB Belts (and shouldper pads) is a great way to start.
As far as gear (and what you can afford) for now its spells that you need
more than anything. You can get by with patchwork armor and a rusty weapon.
At 14 the game changes for you and the name of the new game is KITE! Kite them mobs!
If you have any cash left over from buying SoW, and Bind spells then see if you
can pick up any +mana items or +wis items.
Jaded Silver Rings (+5 mana, +5 hit points) come to mind as well as
Split Paw Hide Gloves (+2 wisdom +3 dex)
if anyone is auctioning or giving them away.
Also, the Nybright sisters camp in Lesser Faydark is great for exp and cash
when you can start there. Use the Harmony spell to single pull them and you'll rake in the exp and plat