well maybe don't borrow so much from the bank firstly, just walk around and grab the caches and stuff, I think there's a "sell" option now too. Also to quickly get to the first town you could use a town portal scroll or go to the Altar a few times and after you finish the angel orgy, all the times that you visit the altar after that, they'll ask you if you want to be transported to the town of monsters I think, and from there just take a carriage.