When i get jumped by more than one monster, i ususally use a katana skill that can attack all enemes surrounding u. Thats y i love katanas, the skills can save ur ass and they r cool.

As for the quests, mostly the ones in town give out money as rewards.And its especially useful, because once ur done with the quests, they come right back up so u can do it again and again. And the cool thing about it is ur getting exp and getting money from the quest at the same time. If u combine all the quests together and do em without returning to town till u done them all, u should get a hefty lot of exp plus get money from your work after completing quests.

Its a long process which can be useful if ur seeking to become finacially rdy before purchasing the higher level items and skills.