Follow the steps below to gain extra cash:

Step 1 - Locate Trow Beckett at Rhylandor near the University.
Step 2 - Talk to him to receive a locator, coins, and a diary.
Step 3 - Drop all those items. 
Step 4 - Select Give and any character. Trow will offer a random
         amount of money for an item. 
Step 5 - Select "Continue" and build your total funds.