Welcome to the board, johngalt!!!
While it is excellent advice to train whenever you can that isn't easy when you don't have the gold. There are numerous tips in the BEST TIPS thread on how to make more gold.
One nice option, if you are not that far along in the game, is to reset your adventures and start over with the same party. Resetting the adventures will remove quest items, but your characters will be whatever class they are now and have lots of their goodies. The advantage of doing this is that redoing the first part of the game is considerably easier increasing one's ability to raise gold and take advantage of guild training. Really won't take all that long to get back to where you are now in the game with some really nice advancements.
Another good hint, until you are able to identify items yourself, is to put all similar items into the inventory of one character. When one item in that person's inventory is identified, all items that match it are also identified which can save lots of $$$.
Hope that helps!
Wyv
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