Greetings
I am new to the game
Main characters are Wizard and Cleric
Both 3rd level now
However, I really have not added many/any spells or skills
I do not seem to have enough money to buy any good spells or skill books
Both are pretty limited in what they can do
How do I add more spells? more skills?
Need more money but where how to get this?
I do not have that great problem with gold.
My two main characters are both some kind of mage, each with 1 ability point in 2 schools of magic, so both characters have 3 skills at the start :
First mage : Fire (Flare) & Water (Minor Heal, Slow Current)
Second mage : Earth (Midnight Oil) & Air (Teleportation, Headvice)
To START with it's very efficient ! Especially Midnight Oil + Flare are so nice to combine !! And with that you've maked your own great campfire

to roast/burn the enemies ! Take up the most dangerous enemy and drop him with Teleportation into your camfire doing crushing & fire damage at the same time !
Many kind of enemies are very vunerable to fire damage !
I always now give (as fast as possible and with the help of gear) 1 character Loremaster 5, the other Crafting 5 ! Knowing the weaknesses of enemies helps a lot . Via Crafting it's possible to make your own Skillbooks ! I collect all kind of Scrolls, even buy some interesting Scrolls I wish to make a Skillbook with it (later on) ...
With a little bit luck on your side it's possible to have Loremaster 5 & Crafting 5 for your main character at level 5 (or earlier!)
IF you change the Ability points when starting a "New Game" & start for both abilities with 2 points (you need 3 ability points to do this!) !
Good Luck !