First thing I always do is finding a game that looks like this:

Why? Cause my plan is purchasing a good wand as soon as possible without leveling as least as I can. And this layout is fast. Also can open cow level right next to Akara for faster goodies reset.
How to get money without leveling up? Very easy, opening chests, checking corpses, etc... actually, in Stony field there are houses with superchests, if you are lucky there are several layouts with one next to the teleport, getting money is easy like that, best items to keep are rings, amus, charms, javelins, strangling and fulminating gas potions. Don't waste money identifying blue items apart from accessories, normally you will lose money doing it, and we need every single penny now.
Managed to get this:
Good enough.