Respawn town
If you want your character to be in a town like Aridus or Tertherius, keep deleting that character and recreate continually until you reach the town you wish to be in.

Unlimited gold
First start a new character a female wizard will work the best. Sell all of the items that come with the that character. Make your way to where all the level 1's train and steal their items as they are killed. Sell these items and repeat. When you are ready to exchange the gold, go to a secret spot, like the graveyard in town 3. Get both characters in the same spot. Drop the gold with one, log off, and log on as the other character to grab the money.

Instant level up
When you first start out, use the "Respawn town" trick until you start out in Semel. Talk to the weapon merchant. Now say to him: "Hello", "Fine", "Yes", then "Yes". Next, follow the path down out of the city until you come to another town. Talk to the first merchant, then kill a monster. You will reach level 2 right away.