I find that the Chapel of Skorm and Avo's Temple make it easy to make large adjustments away from good/evil without spending "much." For the Chapel of Skorm, it's so easy to pick up a couple of mercenaries. By the time I get to Avo's Temple, I have enough gems to quickly acquire more money whenever I need it.
The tricky thing was when I wanted a Sorcerer named Necromancer. I really didn't want to acquire the Paladin title for that character (a sorcerer called Paladin
).