I started 3.0 with a similar amount of gil, and within 2 weeks I had not only 8/8 DoH to lv60 with M3 books, but also 3/3 DoL lv60... and I have managed to make back most of my costs within the past month. The secret? Gathering your own materials and not being ashamed to ask a few friends to help you out.
In fact, I often bartered my crafting skills in exchange for some materials I needed at the time.
One thing so many people overlook are the GC hand ins... A starred HQ item can net you up to half a level of exp!! (not joking, I've got up to 1.8m exp from a single hand in)
Could I have leveled my crafts even faster? sure.. if I wanted to dump even more money into it.. but my DoLs levelled rather painlessly just gathering materials I needed for DoH, GC hand ins and collectables!
EDIT: I wont lie... having leveled retainers also helped out A LOT for certain materials (looking at you ltw....)


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