if you are low on fg, you may ask for help over here:
http://forums.d2jsp.org/index.php?showtopic=21674362&f=272to get some more fg, sell mutables you find on your climb or low level magical+ items for 1fg.
its not much, but its a steady income and can help to finance new gear.
the armor and charm you are currently using can work for some more levels, although this will result in grinding.
try to upgrade them later on to more stats on charm and more ee on a higher level armor.
if you have massive problems in solo arena, try to find fellow slashers to play with in the catacombs.
highest priority for now should be on the weapon.
you need to upgrade this every 5-10 levels depending on the ee it has.
see here how much ee your current weapon in comparison to weapons of higher levels:
as you can see, your weapon is not very efficient any more, since you could use lvl 35 weapons by now.
so try to check the market for some lvl 35 weapons with 50+ ee. usually, you should get some quite cheap.
you will need to repeat this steady upgrade of gear all over your climb since monsters will get stronger, otherwise you will have massive problems to get anything killed.
although it would be easier with more fg buying better gear, you should not give up, but go on patiently.
items will drop and you can upgrade step by step. most players had to start from rags, but many who got the patience and knowledge made it to riches
you will find some additional knowledge over here:
http://forums.d2jsp.org/index.php?showtopic=18560908&f=272e.g. while regening life, just take some reading sessions. having the right knowledge is very essential.