some questions

Making money greatly depends on what you want to farm. At your level I'd suggest going to silverpool to farm decaying ghouls for complete sacks and silk thread. The taurocs drop concentrated glue (which sells pretty well) and mystical claws. The torgirns drop element fragments (good money in those due to use in multiple quests). The best of the mobs there is the antelope pups, they drop hay which by far will make you the most money of any farmed item in that area. You'll also get dew of herbs from them which I found sell well too. Any of the aracnid type mobs will drop purified oil and and honey juice which can also bring in a modest bit of money, but tend to sell a little slower than most of the DQ 20 or 30 item.

Honestly just grind on whatever mobs you can find. Your costs should be minimal, and whatever drops you get are profit.
Unless you run an afk shop often, I'd recommend just selling your DQ to an npc, its much faster, and you'll usually make similar money.

Vipions are everywhere in the air above towns. Look for ones that have white names to get the best droprates for items.

Your sawfly I recommend getting flesh ream if you ever plan to use it to pvp with. It does decent damage in pve as well.
Your golem skills are fine until you have money laying around to waste on it. I recommend trying to keep bash at the highest level you can get it.