quick short list of things to do
level conjurer to 8-10 (stoneskin helps a bit from level 10-13ish, Lightning spikes is good if you're more worried about sucess than skillup gains), this'll get you some more physical levels too.
check your stats, Vit should be the highest, definitely above 40. pie/int are kinda meh and mind isnt really all that important when you're doing leves, but its probably the second most important stat.
check for gear, there should be a few level 7-12ish thurm weapons, I dont recall which levels they happen on unfortunately, but anythings better than level 1. See if you cant get any gear with some vit/HP/MP on it. Hempen cowl is good at that level, but from the sounds of it, acton's might be better (but pricey in comparison). if health is a problem, you can get the +HP wrist guards cheap, and + evade earrings.
as others have said, your rank 10 quest gets you a good amount of gil if you're short.
I wouldn't say you're doing anything wrong because they game never really directed you how to do it right. You're going to have to try the market wards, or some player bazaars for some gear. You may want to try and get a duo buddy for your rank 10 leves, and otherwise find green mobs somewhere to grind on (puks or sheep north of LL for example) until you can start getting the yellow and orange guys.