or if you have a craft.... say for me clothcraft, i desythn, but you need to be smart in what you do, for me, i do something really fun
*lets the secret out*
Requirements:
at least - Cloth 60, Sub Goldsmithing 30 (haven't tried it lower than this)
and at least 100k to spend on the materials or farm the crystals and 50k to spend on the items
White mitts from NPC about 2k per, desythn down to Wool, Silk and Gold thread
gold thread on my server is 80k per!
silk thread on my server is 2k-5k per
and wool goes from 2k-4k
also i do this in MH, where if the crystal breaks, i don't lose the mitts
*has Lightning elemental glow* from tarutaru stools HELPS MUCH! and they costed me like 500 gil to make *has woodworking up to 60*
another thing would be the Tosendo(sp?) thing in lower jeuno, if you have access to it, you can go there, and desythn some cotton kyhan(sp?) where you get 7-9 per, which at 1.5k per boot will net you 10k - 15k per sythn depending on your lvl of cloth, and how your server's economy is going, mine sells for 25k-50k per stack of cotton thread, and 30k for stack of cotton cloth(since alot of the drops from ghost have the cotton cloth, alot of the campers for crypt ghost and spook sell there stuff in jeuno)
but that's how i make millions in a day, selling silk thread and gold thread in jeuno, wool i used for my GP's which you can do, or sell them also... which range from 14k-20k per stack on my server
just alittle insentive to lvl cloth and goldsmithing at the same time, also, you can try to HQ alot of lower lvl stuff say a heko obi +1 sells for 30k on my server, the materials per runs about 2k if you know where to get them, so in a sense you can make 28k per sythn if you know what you are doing
the other alternative is just to lvl with the gear you have, and hope and pray you don't get made fun of

(i did that with my WHM, got to lvl 40 still had lvl 11 doublet on cuz i thought it looked cool and didn't have my cloth up high enough to make my own wool or cotton doublet to upgrade to, or didn't have the time to farm as a WHM

)