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I believe I have done quests that can be don as I've been following a guide on the side quests, although I have some quests that are beyond the first section they are still pretty hard to do as they are all the way down the other end.
http://guides.gamepressure.com/divinityiiegodraconis/guide.asp?ID=8175I managed to get to the temple at last using charm, although I didn't kill any of the guys surrounding the place.
What you are doing isn't very smart. You should try to defeat every enemy you can find, otherwise you will not earn experience and never become strong!
If you have done all the quests you could do, it is IMPOSSIBLE for you not to have any money to at least buy potions. Sell all the things you don't need; books, weak weapons and armor, charms you will not use, ingredients you won't use.
As said before, pick off enemies one by one. Lure them away and then kill them, one by one. This might cost you some time, but it will work. If the game is still too hard, you can always set the game to easy difficulity. It doesn't effect any achievements you could earn.
