Easy Money
Due to the simplicity of the in-game economics, anybody with a decent Guile score (around 3 or so) and a half an ounce of patience will be able to buy anything in half an hour.
The easiest target for this cheat is the guy in Bowerstone South right next to the entrance. Buy out all of his potions (health, will and resurection philes). The more of these items you have, the faster you make money. About 25 of each (except res. philes, you can only have 9 of them) is the best to start with. Since the price of each item is based on how many the vendor has in stock, when he has none, he'll pay a fortune and when he has a lot, he'll sell them cheap. You don't even have to stop talking to him. Just make sure that when you sell, you hit the sell all button because selling in chunks drops his buying price. Once you've sold them all, buy them back all at once at his reduced price and repeat the process.
I discovered this cheat with a little over 9,000 gold earned the hard way, and in 10 minutes I had 100,000 gold. I then visited every shop I could find, bought the store out of their potions (wound up with about 230 health and will) and in another 10 minutes of exploitation, I had 700,000 gold. If you can get a bunch of wedding rings, you can speed up your profit level even faster with that same shmoe in bowerstone south.
It's even better if you buy all of the gems from one and possibly several stores. If you have enough money, you'll end up with around 500 gems in all. Sell them all for a massive profit.
Sleep in already occupied houses without the fine
Don't do this trick if the house's bed is too far away from the entrance. First find a bed in a house and then try to sleep in it. It'll warn you about it but click yes anyways. Then quickly run out of the house before the screen fades and you won't get a fine from it. The game thinks you slept, but there's no intrusion of property fine.
All Will And Strength Max
Get around 3 ages of might potions and 4 ages of will potions, 30-60 will potions and these 3 spells: Physical sheild, slow time, and battle charge, !WARNING! DO NOT MAX YOUR BATTLE CHARGE OR THIS WILL NOT WORK!!! , once you get all this then go to the heroes' guild (or oakvale, but heroes guild is easier) hit a guard with anything and they will ask if you want to pay the fine answer no then turn on physical sheild and slow time and use battle charge repeatedly while targeting the guards, and use your ages of strength and ages of will potions when your combat multiplier is higher than 30 (reason for physical sheild) This will raise your strength AND will experience (it will also make you very evil). This will also help to get through the demon door at greatwood caves.