Going through some older posts I came across more than one that I can give my answer with the play through that I was about to work on.
Now I will ask you what you do and show basically what I do.
One was how do you get quick gold in the beginning of bg2. One thing that surprised me a lot was that no one talked about reputation and cost as opposed to more gold plus charisma effect on costs. With a reputation of 20 and charisma of 20 everything is 55% off and it is soooooo easy.
Now my current run is a solo Avenger, no reload. All of my solo runs I want potions though, except Wizard Slayer unfortunately, this costs money. Not to mention all of the other goodies. I tend to follow a similar path for most of my characters.
Straight to the Slums after selling all my stuff.
Different characters may get a few things here, ring of energy for almost every non caster and even some of the casters. Rogues get potions of master thievery and I buy the one potion of invisibility no mater what. Scroll case and gem bag every time also.
Go through the cut scene and head to the bridge. I do the tanner here without going past the bottom of the first set of stairs, I come back later if I want the bow or if running a party to get the bone golem after level 15. No fighting is needed to do the quest, but I wait to get my reward. See the play, loot the playhouse and head to the temple district. It is important to note that at this point I will NEVER go from one area to another without being ready to win a fight, many times I need that sword and I always need the money from the loot.
The temple area I get the cloak and set the Unseeing Eye and Sir Sarles quest in motion. Head to the government district.
Initiate Ummar Hills and speak to Sir Pompous As.. ah Sarles. Sir Sarles.
Gate next for Trademeet quest then head to watchers keep for a potion case. Leave there headed for Trademeet.
I don't actually do any of that quest, just run through invisible to get Belm. This play through I killed the final 3 guys for the club before I left.
Usually when I get back to the city from there the Harpers/Birdy happens right after and I take care of that. So far I have only killed the 2 parties that jump me, the three amigos at the druid grove and cleared the house for the Harpers. I have 14,000 gold so I sell healing potions to get me the extra 300 I need to get my reputation from 10 to 18.
NOW I do the circus tent and finish the tanner murders for the last 2 reputation and enough money to buy the nymphs cloak from the thieves in the docks that with the ring gives me 20 charisma. 20/20 The magic number that get me 55% off.
Whew! Now I can start to play!