A torch is necessary to go into the cave in Haven to see what is "growling" inside.
Before entering Othias's castle in the City of Rain, you will encounter little creatures with at least one or two bags of gold. You can go back and fourth every so often to load up on gold after destroying them.
Ring of rocks
Go to Verdante passing David's house. Take the path leading to the right. Take the northern path next, and then you will reach a ring of rocks that will replenish one of your character's lives.