If you don't gather and/or craft I suggest starting if you want your Novus. If you are patient(unlike me) you could probably just gather, craft and spiritbond to get all your matiera. You'd spend basically nothing and probably gain gil in the process. Of course if you don't want to spend all that time you could simply make the gil to spend like I did...mostly. Carpentry gets you tons of $$$ right now because of personal rooms.