You can also use several relatively large armies of cheap units (such as leather-armored spearmen) lead by one or two high-level well-equipped champions/henchmen to try to conquer an area that has crystal, if you also lack iron. My preference is to have a Warrior or Defender henchman with a supporting Mage champion - the henchman gets whatever army buff traits he can pick up, and the champion is a high damage caster if possible (so probably Fire Magic as a primary spell school). If you don't have a good damage caster, blessing or curse casters work decently well, though in that case you might be better off focusing the henchman on damage dealing abilities rather than army leadership abilities.
If you have access to New Pariden's shops and they have spellbooks for sale, you don't need to have an available champion and can instead create your own army casters with henchmen, leaving the champions at home as governors, or as leaders of other armies, or whatever else you want to do with them.
Should you go for large armies of cheap units, I would suggest using spears as your primary (or only) weapon - they perform better than other low-tech cheap weapons when facing high defense opponents, and are on par with similar-tech weapons against low or no defense enemies. They also require the least investment into the Warfare tech tree of any weapon aside from the club and the staff. I'd suggest leather armor for similar reasons.
If you find yourself desperate for resources and with money to spare, you can also buy quest maps and hope that the quest which spawns is one that has a resource reward. It is also a good way of training up your army, if you can afford to keep buying quest maps.