Hi! Regarding Pat 5, you may somehow start saving gold so that you can either: 1) convert it to currency and buy it in the boutique, preferable if there's a sale of Holy Boxes, or 2) wait/watch out for those who sell some
For mounts, since there were a lot of new ones, including a new kelpie (w/ lightning bolt abilities), it would be better if you could save up some "symbol of lightning bolt" by buying or getting it from the daily gift (28th day or if you get lucky during day 1-27), or getting some decent mounts (rank 6) through prophetic cards or collecting/buying mount symbols.
These may not be easy, but saving up wisely can make you achieve these. Also, patience is key. Just enjoy the game.