Since I can see that you have money problems I will only list the cheapest equips and cards
Weapon: X-Bow 2 slot and refine to +10 eventually. After getting more money upgrade to Mystery so it will have +8 then slot it after that. That mystery bow you have can be used eventually to slot your +8 Mystery Bow in the future.
Garment: Blueeve Tier III  for ASPD + 5% or Cotton Shirt Tier II for +2 Luk
Shoes: Sack teddy Shoes Tier III for +6 agi
Accessory: Brooch Tier IV for 2% aspd
Headgear: If you have tickets saved then I suggest you try to get the Firmament horn. It gives +2 all stat + 5 crit and +8% Crit damage. Currently the best headgear for ADLs
For the Cards as much as possible go for the luck and agi ones because we get tons of dex already:
Weapon: Ideally get every size/race/element cards but just get the cards you need for the mobs you will likely farm for a long time
Garment: Ninetail (+2 agi + 5 flee)
Accessory: You can either get the kobold card for +10 crit or go for the Geatest General for +10% final damage.
Shoes: Male thief bug (+3% aspd)
Headgear: Cramp (+3 luk + 5 flee)