The easiest ways to get money are by whoring and by delivering stuff for Ratzo in AP.
Whoring works best when there aren't many people on, unfortunately at peak times there are 2-4 players working the streets and limited NPC's to fuck. As you wander the streets, if you see an NPC you'd be willing to fuck (depending on how picky you are), type 'tac'. If there name comes up with "horny" as a status, do a little foreplay (grope, lick, bite) to get yourself horny and get them really horny, then remove anything covering your groin and 'fuck *name*'. You can get money ranging from nothing to over $1000 for each NPC.
Ratzo is easiest to work for when you know where the common NPC's are, but here's a short list.
-Ratzo is in AP, which from outside the orphanage is n w u. When you get there, type -ratzo packages and he'll give you something to deliver.
-Agnes is d e s e u w from Ratzo. You probably already know where she is.
-Slim Stabby is d e s s s e e e e se e e from Ratzo. Perfectly safe route except for the occasional dog attack, which if you can kill orphans are no threat.
-Lauvric is d e s s s s s s s w w w from Ratzo during daylight hours. I don't know where he is after his store closes, though Ratzo will tell you.
-Roy Poorman wanders, but tends to be around the Bradbury (d e s s s s s w). When you get to the Bradbury, do not go into the basement! The zombies there will kill you for your braaaaaaaains. Read his location when Ratzo gives you the package, he's usually in the lobby or on the first floor. He will not go into any of the rooms, so you will be able to find him.
-You can't get to Chester right now. He's in the Sharpton complex basement, but the rats there are hostile and if you run into any of the larger ones they'll kill you at that level.
Also, you can drink from the sink in the orphanage or from the sink outside VC. Usually I drink from the tub in the crack mansion, but I have iron liver so it's more for healing than drinking.
I would also recommend Iron Liver, Writhing Smoke, Screech, then try to find a stronger player to escort you to Snakeskin (if your climb is decent) or High Density. It's a dangerous trip, but both mutations are insanely powerful.