Make a magician and put your first 10 stat points into vitality. Find a tier III dagger with 30 EE, a robe with 150+ max life, and a charm with some max life and then you'll get to level 5 just fine. Then find some low heal mastery gear and a heal charm with enhanced effect and find a catacombs group.
Everyone loves healers - no matter how low their gear is - so you shouldn't have a problem. Once you gain a little more FG you might be able to buy an attack charm as well so that you can solo. I wrote a guide for magicians a while ago you can check out if you want:
http://forums.d2jsp.org/index.php?showtopic=30551054&f=74Also, feel free to PM me if you've got any questions
