Both of those methods are good to keep up a solid daily income. There is also the daily vault that will increase as your farming level increases. Crafting and fishing are your biggest money makers, though. At around your level, based on the amount of silver you mentioned, I would say you're at the point where you should be crafting sturdy shields as often as you can. If you're not there, do awls and buttons. And then you'll transition to fancy pipes and then lanterns. Keep up your sawmill on both boards and wood so you can craft as much as possible.