I started with nothing and have been able to farm or purchase all the items in my magelo. I've made a very good start for myself. Best thing you can do as a new necro is make it to level 28-30 and exclusively exp at the misty thicket wall guards. Their spears sell for 10p each. First investment you make is weight reduction bags so that you can farm MORE spears at one time. Before you have your own bags you can ask a magician to summon you some, offer them 25 or 50p to do it! It is well worth it to get 100% weight reduction and knock out about 5 trips worth of spears.
EDIT: If you are a human or erudite, as soon as you feel comfortable doing so, take a field trip to Karnor & /shout you are willing to buy Flayed skin pieces for 50p each. That is 35p or so more than they will vendor for and you will get multiple tells! I think I took the trip around level 36 and picked up 4 pieces of flayed for 200p where I had nothing but cloth in the slot previously.
EDIT EDIT: Another good source of income are the low level research only spells. In particular: Haunting Corpse, Intensify Death, Call of Bones, Invoke Shadow are very easy to sell. I have seen all of these spells go for up to 500p, just remember they are worth whatever that twink necro who was too lazy to farm the words is willing to pay for it.
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