Hey !
Don't feel so badly about being poor your first time around. If you go through the game and play all the missions and pick up everything, sell it or salvage it. You will make a good bit of gold just doing that by the time you get to shiverpeaks.
My first character was SO POOR. I had to run around for a good 2 hours outside ascalon (post searing) to get the money to afford some red dye so I could be cool and coloured in the first week or so of playing. I was always strapped for cash!
Eventually though, especially in the later missions and in the shiverpeaks the monsters drop GOOD gold. The desert is good as well. I have 4 characters now and it took a lot of work (too bad we don't get paid to play

hehe) but I have some decent stuff and a bit of a nest egg stored away in my storage.
Hang in there! You'll get some good money and stuff. Don't feel so badly about not having "the BEST" stuff because it's really not all that good anyways
Good luck!