If you're doing good the way you are. I suggest you keep on training till level 21 then try sell your scrolls to afford a Tuna instead of scrolling. If you get a Tuna at an early level you will have no problem with doing party quests till level 51.
If on the other hand you are gonna scroll, I suggest you wait till the price of the 60% Glove Attack raises in price again then buy a Sauna Robe with Dexterity or scroll one yourself if you can afford.
You will be just fine with your current armor till level 30 if you got at least 45+ accuracy.