I can't verify that this works at lvl 1, but at least at lvl 3 you can go to Altdorf and get the quest inside the Bright Wizard College. This quest sends you to talk to the captain of the elven ship at the docks and back to the Bright Wizard College. The money reward is roughly 75 silver. For a brand new character this is a huge sum. IF this works at lvl 1, then you could simply make a new character a few times and you'd have the bulk of the money to buy your 15g lvl 20 mount.