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Was waylaid by some critter near the mountains, I died and lost my money and most of my equipment as my bag also disappeared.

I am not going to whine about that, but now I have to resort to begging just to be able to get the cheapest tool. Tried to make some clothes, but the ingredients are much more expensive than the product.

Any suggestions?

Well...the easiest way to get some quick money, with no tools at all when youre completely poor, is killing pigs. Then I would suggest selling the meat and and leathers and buying a pickaxe, mining is a good source of money and you only need a pickaxe.

if you have good perception, try picking flowers that the halfling emrchant in trollsbane buys

Herbalism - sell a few sun herbs to the Halfling merchant by the hospital and watch you money multiply.

And when have enough skill, you can start to harvest sibanac leaves, which you can spin into thread. There are alot of people who buy thread.