Same as everywhere else, mostly. You work part-time jobs. You can also collect drops from the Shadows in Dungeons and sell that to some townspeople who want it. The occult shop is a favorite since they'll take just about anything, but other shops work too, depending on what you're selling.

[ He honestly doesn't expect to be paid back whenever he gives things out, so... it's fine if she doesn't. ]

Capitalism is a thing here too.