I am perfectly fine at this point, I carried every weapon armor and misc item and sold them, i found the secret weapon in druid grove but otherwise did not bought any item from any shop yet still i can manage.
I may be too early but 2 phase spiders gave me hard time cause i was lacking range and Wizard miss every stuff. Because Humans are the only race that can't see in dark in 5e... every other race has it
If you find it difficult, always sneak ahead, use consumables, hide and ambush, i believe it's just a learning curve. It fits my 5e games i played and GM'ed currently. I wasn't expect to beat owlbear for instance at level 3.
