When your city levels up, take the 20% (30%, 40%) gildar production increase.
At City level two there will be more structures that produce gildar. Focus on those structures, don't over do it on the other structures (the prestige ones, the military ones).
Gildar right now is just slow to increase on a per city basis. When you start getting multiple cities, or multiple gold nodes, and research the mining techs and refined mining techs, gold goes way up. But when it's just your starting city, or two or three cities that you're not specializing, cash flow is a problem.
Monsters and quests though will tide you over until your economy gets rolling. Just kill monsters and do quests and you should get a decent bankroll pretty quick. I think you get basically get 1 gilder per point of combat rating on monsters atm.