I have 2 accounts, one that's been level 30 for a while now, easily a year and a half, the other that is currently level 16. The sad fact is that without tier 3 runes and adequate masteries, jungling rampup and survivability are significantly impaired.
When I jungle on either account, and I'm on blue side, I typically start at golems, ask for a hard leash, pop a healthpot and wait to be near full to start red. Once red is down, I immediately go for bot river scuttlecrab. This is an easy 50g that doesn't fight back, so it's win-win. By the time the crab is dead, I ward near bot river brush and then typically go to raptors. After raptors, I'm able to back and upgrade my machete and buy 4 healthpots.
Note: on my main account, I'm able to clear further than this on almost every champ I like to jungle with. However, on my other account, I have only purchased two champs, both of which aren't junglers per se, and I'm able to clear as stated above with all the weekly junglers that have been available for the last few weeks.
It seems to work for me.