For crafting you could always kill dragons, keep hides, sell bones buy more hides. Other than that it's going to be really tough without making more money, gold amulets is a slight loss, or really slow xp with superglass make spell that's slow craft xp, yet you make money. Really hard to get 99 on such a tight budget, construction butler fees would cost more than 5M, Herb with 5M won't happen and smith probably not unless you mine your own ores. Could always boost your Fishing Wcing Hunter etc to gather raw materials for money