Use the stump cheat. Buy up your gear with the $ near guard, mayor, and northern well. Buy a bunch of bandages btw. Get the smiths dog quest, but don't turn him in (you don't wanna speak to the smith for a long time). Reason is he can throw bandaids and won't be aimed at.
The dog only gets in the way of the Alice key quest/push pull mechanics. Other than that he is good to keep around for the early game and toss you bandages as you fight bears/Shakala and such earlier with a poisoned weapon.
You want to get the tower questline going asap. Also begin the Victoria/mayor questline as it'll give you 200 coins per week say around day 35/42. Plant pumpkins for $. 7 days so 1,8,15,etc.. It'll eventually require progress I think up to getting the crystal from the temple so that means Ziva some. You really want to get that Imp buddy before digging into goblin wars,mayor,etc.. as Imp buddy is a mean mage eventually with crystal egg. Tower line also gets to generating you weekly crystal eggs and spider eggs saving you time cave diving and they are also money. Goblin wars take serious time to generate respectable money. Mayor starts off decent. Seriously put them off until you got the imp. Imp should be priority. Towerline also unlocks fast travel. Towerline for the win of unlocks really. Go northeast.