Buying a full set of Ice Silk I think crosses the line of "decent amount" of money into "pure twink" money but it is excellent if you can pony up for it. The robe alone sells for 20k+ and I saw a cap in EC last night selling for 8k.
There are a few odd pieces out there that are great for nub Encs and don't break the bank at all. A couple I can think of is the Loam Encrusted Veil which has some CHA and 20 raw HP. Another is the Spider Fur-Lined Boots which have 5 CHA and 45 raw HP yet sells for under 500pp because nub. HP/Mana jewelery is not a bad choice for wrists either and get yourself a set of HP rings and some swappable CHA rings.
There are a lot of options but really levels will help you way more than CHA for your calms, and pure HP is king for a very long time while you're leveling.
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Sotir - Cleric
Xoquil - Wizard
Kinigi - Ranger
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