1. Orc belts (crushbone or ec orcs) sell pretty easily. Bonechips sell as well. Only buy spells you need, then go back to fill in gaps later. Vendor off weapons for easy money.
2. The returns on crafting were never really there to make it a viable way to make money until the highest end like cultural smithing and hp/mana and resist jewelcrafting. But wait until you can farm vendor items like fine steel weapons or similar with ease and spend points at your class GM to get up to 20 skill to skip the low end. So 30-40 at the earliest.
3. Talk to the bard. Chances are he'll play nice and leave mobs for you in your area. Or you might want to rethink your exp spots. Most of the places bards kite aren't good exp for single kills, try dungeons instead.
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