My current situation: I finished the temple, explored the whole Shire and just entered the castle.
Here are my experiences regarding the "money-problem":
Until you reached the temple you got an "all time" shortage of money and you can only accept it (don't cheat !).
There's much loot in the temple,but it's sometimes difficult to reach, if your characters are still low level.
I did the following to finish the temple without really big problems: I travel the save areas in the wilderness and fight the random monsters until my wizards got the Dragon Breath spell (maybe another spell works too). Then I speed through the shire directly to the castle - the mantraps directly behind me ! I fight them from a clearing in the east of the castle (behind the water) with Dragon Breath from distance. They do not cross the water and you can keep enough distance so that they don't breath at you. Killing them gives every character nearly 2000 EXP for each mantrap. So you gain a few levels very fast and are well prepared for entering the temple after that.
Have Fun !
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