It's probably not a good idea to start on hardcore, and it's definitely not a good idea to play a hardcore character with anything below 50 vitality.
And there's not really any cheap way to get rich in this game. Just climb however you can (thank god for catacombs) and try to find good items or sell your MQ's. If you had 500 or 1k fg then I'd say it might be worth it to make a welling character, but with that low of fg you're not going to have a very effective one.
Some people just climb on hardcore from 1 - 10 on a fighter or barbarian and put every item up on the market for 1 fg for people to buy as shrineables, but I've never done that so I don't know how good of a way to make money it is.